# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-25-019526
**Filing Date:** 2025-12
**Character Count:** 4223411
**Document Hash:** 50f70634b95a58eb74c3202218ee7e1d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-019526.hdr.sgml**: 20251204

**ACCESSION NUMBER**: 0001999371-25-019526

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

**PUBLIC DOCUMENT COUNT**: 99

**CONFORMED PERIOD OF REPORT**: 20251204

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

**FILED AS OF DATE**: 20251204

**DATE AS OF CHANGE**: 20251204

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**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:** 025-06259
- **FILM NUMBER:** 251550717

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**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:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**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:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

**<u>EFMT DEPOSITOR LLC</u>**

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

---

| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

Name and telephone number, including area code, of the person to contact in<br> 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 CPR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0001946154 |
|  | <u>EFMT 2025-NQM6</u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable): |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

<u>Robert A. Catarella, (203) 409-3596</u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

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

Not Applicable

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | **EFMT DEPOSITOR LLC** | **EFMT DEPOSITOR LLC** |
|  | By: ELLINGTON MANAGEMENT GROUP,<br> L.L.C., as its manager | By: ELLINGTON MANAGEMENT GROUP,<br> L.L.C., as its manager |
|  | /s/ Robert A. Catarella | /s/ Robert A. Catarella |
| Date: December 4, 2025 | Name: | Robert A. Catarella |
|  | Title: | Managing Director |

---

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.01](ex99-01.htm) | [AMC Diligence, LLC ("**AMC**") Narrative](ex99-01.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [AMC Rating Agency Grades Report](ex99-01s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [AMC Exception Grades Report](ex99-01s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [AMC Valuation Summary Report](ex99-01s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [AMC Supplemental Data Report](ex99-01s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [AMC Business Purpose Report](ex99-01s5.htm)

---

| | |
|:---|:---|
| [99.02](ex99-02.htm) | [Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative](ex99-02.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Canopy Rating Agency Grades Summary Report](ex99-02s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Canopy Rating Agency Grades Detail Report](ex99-02s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Canopy Business Purpose Report](ex99-02s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Canopy Supplemental Data Report](ex99-02s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Canopy Valuation Report](ex99-02s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Canopy ATR or QM Report](ex99-02s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Canopy Data Compare Report](ex99-02s7.htm)

---

| | |
|:---|:---|
| [99.03](ex99-03.htm) | [Clarifii LLC ("**Clarifii**") Narrative](ex99-03.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clarifii ATR or QM Report](ex99-03s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clarifii Valuation Report](ex99-03s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clarifii Data Compare Report](ex99-03s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clarifii RA Grades Summary Report](ex99-03s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clarifii RA Grades Detail Report](ex99-03s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clarifii Supplemental Data Report](ex99-03s6.htm)

---

| | |
|:---|:---|
| [99.04](ex99-04.htm) | [Clayton Services LLC ("**Clayton**") Narrative](ex99-04.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clayton Conditions Summary Report](ex99-04s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clayton Conditions Detail Report](ex99-04s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clayton Loan Grades Report](ex99-04s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clayton Standard Upload Report](ex99-04s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clayton Valuations Summary Report](ex99-04s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clayton ATR or QM Report](ex99-04s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clayton Non ATR or QM Report](ex99-04s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Clayton Tape Compare Report](ex99-04s8.htm)

---

| | |
|:---|:---|
| [99.05](ex99-05.htm) | [Consolidated Analytics, Inc ("**CA**") Narrative](ex99-05.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [CA Due Diligence Standard Report](ex99-05s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [CA Rating Agency Grades Report](ex99-05s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [CA Valuations Report](ex99-05s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [CA Supplemental Report](ex99-05s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [CA Data Compare Report](ex99-05s5.htm)

---

| | |
|:---|:---|
| [99.06](ex99-06.htm) | [Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-06.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Digital Risk Findings Summary Report](ex99-06s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Digital Risk Findings Exception Report](ex99-06s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Digital Risk Rating Agency Report](ex99-06s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Digital Risk Valuation Report](ex99-06s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Digital Risk Standard Summary Report](ex99-06s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Digital Risk Standard Report](ex99-06s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Digital Risk Supplemental Report](ex99-06s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Digital Risk Non-QM Supplemental Report](ex99-06s8.htm)

---

| | |
|:---|:---|
| [99.07](ex99-07.htm) | [Evolve Mortgage Services ("**Evolve**") Narrative](ex99-07.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Evolve Rating Agency Grades Report](ex99-07s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Evolve Exception Detail Report](ex99-07s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Evolve Valuation Report](ex99-07s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Evolve Data Compare Report](ex99-07s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Evolve QM ATR Data Report](ex99-07s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Evolve Additional Data Report](ex99-07s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Evolve Business Purpose Report](ex99-07s7.htm)

---

| | |
|:---|:---|
| [99.08](ex99-08.htm) | [Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative](ex99-08.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Maxwell Standard Exceptions Report](ex99-08s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Maxwell Grading Report](ex99-08s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Maxwell Valuation Report](ex99-08s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Maxwell Supplemental Data Report](ex99-08s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Maxwell Data Compare Report](ex99-08s5.htm)

---

| | |
|:---|:---|
| [99.09](ex99-09.htm) | [Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-09.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Opus Standard Findings Detail Report](ex99-09s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Opus Rating Agency Grades Summary Report](ex99-09s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Opus ATR or QM Report](ex99-09s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Opus Supplemental Data Report](ex99-09s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Opus Business Purpose Report](ex99-09s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Opus Valuation Report](ex99-09s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Opus Data Compare Report](ex99-09s7.htm)

---

| | |
|:---|:---|
| [99.10](ex99-10.htm) | [Selene Diligence LLC ("**Selene**") Narrative](ex99-10.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Selene Rating Agency Grades Summary Report](ex99-10s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Selene Standard Findings Report](ex99-10s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Selene Valuation Report](ex99-10s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Selene Supplemental Data Report](ex99-10s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Selene Business Purpose Report](ex99-10s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Selene Data Compare Report](ex99-10s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Selene MLS Report](ex99-10s7.htm)

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.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 Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted from May 2017 through November 2025 on mortgage loans with origination dates from April 2017 through October 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (29 loans) and the Business Purpose Scope (14 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 47 mortgage loans.

The final population of the Review covered 43 mortgage loans totaling an aggregate original principal balance of approximately $27.545 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 Bathrooms | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;# of Bedrooms | &nbsp;&nbsp;Foreclosure Months | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Fully Indexed Rate | &nbsp;&nbsp;Original PITIA |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;Origination Company Name |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Housing Ratio | &nbsp;&nbsp;Origination Fee Amount |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Other Financing - Lien Position 2 - Current Balance |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Other Financing Senior Total Balance |
| &nbsp;&nbsp;Approx. Year Built | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Bank Statement Usability | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Rounding Method |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Section 32 Flag |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Site Square Feet |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Total Income | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;Taxes and Insurance |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Multiple Foreclosures? | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Total Debt Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Total Fee Amount |
| &nbsp;&nbsp;Coborrower Total Income | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Discount Fee Amount | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original Loan Amount |  |

---

1 \| P a g e

![](ex9901001.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.**

**<u>CREDIT REVIEW SCOPE</u>**

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).

2 \| P a g e

![](ex9901001.jpg)

**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.

**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.

3 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

---

**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.

4 \| P a g e

![](ex9901001.jpg)

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

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to 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.

5 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

&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.

6 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

7 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.)

8 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

| | |
|:---|:---|
| 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.

9 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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.

10 \| P a g e

![](ex9901001.jpg)

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(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;

11 \| P a g e

![](ex9901001.jpg)

&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.

**(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.

12 \| P a g e

![](ex9901001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;55.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;44.19% |
| &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;**43** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Please note that fourteen (14) Business Purpose were not subjected to a compliance review and did not receive a compliance grade. Five (5) mortgage loans reviewed by AMC have a Compliance grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;82.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;17.24% |
| &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;**29** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

All forty-three (43) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 62.79% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;62.79% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;37.21% |
| &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;**43** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](ex9901001.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY** 

All forty-three (43) mortgage loans reviewed by AMC have a Property grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &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;**43** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***18*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**18** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**29** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 43 mortgage loans reviewed, 25 unique mortgage loans had 68 different tape discrepancies across 47 data fields (some mortgage loans had more than one data delta). The largest variances were found on Note Date, Property Type and Representative FICO.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Bathrooms | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;# of Bedrooms | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |

---

14 \| P a g e

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;35 | &nbsp;&nbsp;5.71% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Approx. Year Built | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower Bank Statement Usability | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;42 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Borrower Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Coborrower Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;9 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Discount Fee Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Foreclosure Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Fully Indexed Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Housing Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |

---

15 \| P a g e

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Multiple Foreclosures? | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;42 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;41 | &nbsp;&nbsp;4.88% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;5.41% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Origination Company Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Origination Fee Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Other Financing - Lien Position 2 - Current Balance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Other Financing Senior Total Balance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;43 | &nbsp;&nbsp;9.30% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;43 | &nbsp;&nbsp;9.30% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Section 32 Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Site Square Feet | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;14 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Taxes and Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Total Fee Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**68** | &nbsp;&nbsp;**713** | &nbsp;&nbsp;**9.54%** | &nbsp;&nbsp;**43** |

---

16 \| P a g e

![](ex9901001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;38 | &nbsp;&nbsp;88.37% | &nbsp;&nbsp;$24643353.00 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;5 | &nbsp;&nbsp;11.63% | &nbsp;&nbsp;$2901500.00 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$27544853.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$27544853.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$27544853.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;18.60% | &nbsp;&nbsp;$4127800.00 | &nbsp;&nbsp;14.99% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;11.63% | &nbsp;&nbsp;$2705500.00 | &nbsp;&nbsp;9.82% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;24 | &nbsp;&nbsp;55.81% | &nbsp;&nbsp;$15589553.00 | &nbsp;&nbsp;56.60% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;6 | &nbsp;&nbsp;13.95% | &nbsp;&nbsp;$5122000.00 | &nbsp;&nbsp;18.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$27544853.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;41 | &nbsp;&nbsp;95.35% | &nbsp;&nbsp;$25679853.00 | &nbsp;&nbsp;93.23% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.65% | &nbsp;&nbsp;$1865000.00 | &nbsp;&nbsp;6.77% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$27544853.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;26 | &nbsp;&nbsp;60.47% | &nbsp;&nbsp;$17295900.00 | &nbsp;&nbsp;62.79% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;18.60% | &nbsp;&nbsp;$2727350.00 | &nbsp;&nbsp;9.90% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$206500.00 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.98% | &nbsp;&nbsp;$1358228.00 | &nbsp;&nbsp;4.93% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.65% | &nbsp;&nbsp;$4433500.00 | &nbsp;&nbsp;16.10% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$468750.00 | &nbsp;&nbsp;1.70% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$654500.00 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$400125.00 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$27544853.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;24 | &nbsp;&nbsp;55.81% | &nbsp;&nbsp;$18009378.00 | &nbsp;&nbsp;65.38% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;15 | &nbsp;&nbsp;34.88% | &nbsp;&nbsp;$6201075.00 | &nbsp;&nbsp;22.51% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.30% | &nbsp;&nbsp;$3334400.00 | &nbsp;&nbsp;12.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$27544853.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 1**

![](situs-logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 11/24/2025 4:03:31 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **S&P** | **S&P** | **S&P** | **S&P** |
| XXX | 1078890 | XXX |  |  | C CC A | RA | VA C B CB | RA | VA B |
| XXX | 2051909 | XXX |  |  | A C | C A | A C B | B A | A B |
| XXX | 2082168 | XXX |  |  | A C | C A | A C | A | A |
| XXX | 2076475 | XXX |  |  | C | C A | A C B | B A | A B |
| XXX | 2076488 | XXX |  |  | A | A | A | A | A |
| XXX | 2076485 | XXX |  |  | B A | A | A B | A | A B |
| XXX | 2076490 | XXX |  |  | C D | D A | A D | A | A |
| XXX | 2076486 | XXX |  |  | A C | C A | A C | A | A |
| XXX | 2076476 | XXX |  |  | A C | C A | A C | A | A |
| XXX | 2076498 | XXX |  |  | A C | C A | A C | A | A |
| XXX | 2078721 | XXX |  |  | B A | A | A B | A | A B |
| XXX | 2082178 | XXX |  |  | B C | C A | A C B | A | A B |
| XXX | 2082194 | XXX |  |  | A C | C A | A C B | B A | A B |
| XXX | 2082180 | XXX |  |  | B A | A | A B | A | A B |
| XXX | 2082197 | XXX |  |  | A | A | A | A | A |
| XXX | 2082189 | XXX |  |  | C | C A | A C B | A | A B |
| XXX | 2082182 | XXX |  |  | A | A | A | A | A |
| XXX | 2082190 | XXX |  |  | A | A | A | A | A |
| XXX | 2082177 | XXX |  |  | B A | A | A B | A | A B |
| XXX | 2081861 | XXX | XXX |  | A | A | A | A | A |
| XXX | 2088557 | XXX |  |  | A | A | A | A | A |
| XXX | 2088550 | XXX |  |  | C | A | A C | A | A |
| XXX | 2088553 | XXX |  |  | A | A | A | A | A |
| XXX | 2088554 | XXX |  |  | B | A | A B | A | A B |
| XXX | 2088556 | XXX |  |  | C D | A | A C D | A | A |
| XXX | 2088552 | XXX |  |  | A | A | A | A | A |
| XXX | 2091377 | XXX |  |  | A B | B A | A B | B A | A B |
| XXX | 2091378 | XXX |  |  | B A | A | A B | A | A |
| XXX | 2091376 | XXX |  |  | A | A | A | A | A |
| XXX | 2091380 | XXX |  |  | B C | C A | A C B | A | A B |
| XXX | 2091389 | XXX |  |  | B A | A | A B | A | A B |
| XXX | 2091384 | XXX |  |  | A | A | A | A | A |
| XXX | 2091382 | XXX |  |  | B | B A | A B | B A | A B |
| XXX | 2091390 | XXX |  |  | A | A | A | A | A |
| XXX | 2091383 | XXX |  |  | A | A | A | A | A |
| XXX | 2091381 | XXX |  |  | C | A | A C | A | A |
| XXX | 2091375 | XXX |  |  | B | A | A B | A | A B |
| XXX | 2091379 | XXX |  |  | C | A | A C B | A | A B |
| XXX | 2091386 | XXX |  |  | B | A | A B | A | A B |
| XXX | 2091385 | XXX |  |  | B | A | A B | A | A B |
| XXX | 2091391 | XXX |  |  | A | A | A | A | A |
| XXX | 2091388 | XXX |  |  | A | A | A | A | A |
| XXX | 2091392 | XXX |  |  | C | A | A C | A | A |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 2**

![](situs-logo.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 11/24/2025 4:03:31 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | 1078890 | XXX |  | 3047020 |  | Credit | Insurance | Insurance Documentation | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dec page states Replacement cost dwelling pg XXXX |  |  |  | Reviewer Comment (2017-05-24): Lender allows loan amount to be used for minimum coverage amount.<br>Seller Comment (2017-05-23): Insurance policy shows coverage of XXXXXX Loan amount is XXXXXX Coverage exceeds the loan amount. | 05/24/2017 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXX | 1078890 | XXX |  | 3047001 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guideline requires XXXX months but approval allows for only XXXX months. Able to verify XXXX months with bank statement in loan file. |  |  |  | Reviewer Comment (2017-06-26): Received evidence of POC amounts. Reserves sufficient.<br>Seller Comment (2017-06-22): Please see uploaded invoiced for items paid outside of closing. The flood insurance premium was paid in XXXXXX Hazard insurance premium was paid XXXXXX . XXXXXX policy does not require source/seasoning of items paid outside of closing.<br>Reviewer Comment (2017-06-21): Updated balance has been added. This brings to the total reserves to XXXX months. The discrepancy is due to the Closing Cost paid prior to close have not been verified. there is $ XXXXXX POC. Missing proof of how these were paid.<br>Seller Comment (2017-06-20): The XXXXXX transaction history for acct # XXXXXX shows a balance of XXXXXX . This is more recent than the XXXXXX statement. The document is attached.<br>Reviewer Comment (2017-06-08): The account # XXXXXX XXXXXX statement provided reflects $ XXXXXX balance not $ XXXXXX - please provide respective month statement for this account.<br>Seller Comment (2017-05-23): Please see attached Closing Disclosure<br>Seller Comment (2017-05-23): Required reserves: 5 x PITI = 5 x XXXXXX = XXXXXX (exception approved to use 5 mo. reserves). Final CD shows cash to close of XXXXXX from the borrower. Total funds needed was XXXXXX + XXXXXX = XXXXXX Total available funds = XXXXXX (acct # XXXXXX) + XXXXXX (acct # XXXXXX + XXXXXX (acct XXXXXX) = XXXXXX | 06/26/2017 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXX | 1078890 | XXX |  | 3078488 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender deviation approval to guidelines allowed for use of appraised value instead of purchase price with less than XXXX months seasoning | Borrower has high residual income |  |  | Reviewer Comment (2017-05-10): Deviation documented on lender approval. |  |  | 05/10/2017 | 2 C B |  | XX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXX | 1078890 | XXX |  | 3048972 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan ofXXXXXX % or Final Disclosure APR of XXXXXX % is in excess of allowable threshold of APOR XXXX% + XXXX%, or XXXX%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2017-05-15): Client Acknowledges.<br>Seller Comment (2017-05-12): All of lender's loans are HPMLs by design. No regulatory violation. | 05/15/2017 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXX | 2051909 | XXX |  | 34178184 |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Comparable Rent Schedule. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-13): Sufficient Cure Provided At Closing |  | 06/13/2025 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXX | 2051909 | XXX |  | 34178183 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Closing Disclosure pages XXXX and XXXX indicate no escrows, however page XXXX indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  | Reviewer Comment (2025-06-27): XXXX received PCCD and LOE<br>Buyer Comment (2025-06-25): Submitted PCCD, First Pmt Letter, Re-open Rescission Form, LOE, and Disclosure Tracking delivery for review. |  | 06/27/2025 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXX | 2051909 | XXX |  | 34178182 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Closing Disclosure pages XXXX and XXXX indicate no escrows, however page XXXX indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  | Reviewer Comment (2025-06-27): XXXX received PCCD and LOE<br>Buyer Comment (2025-06-25): Submitted PCCD, First Pmt Letter, Re-open Rescission Form, LOE, and Disclosure Tracking delivery for review. |  | 06/27/2025 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXX | 2051909 | XXX |  | 34178180 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX incorrectly disclosed whether property taxes are included in escrow. | Page XXXX of the Closing disclosure shows property taxes are included in escrow but nothing was collected or noted on page XXXX. |  |  |  | Reviewer Comment (2025-06-27): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-06-25): Submitted PCCD, First Pmt Letter, Re-open Rescission Form, LOE, and Disclosure Tracking delivery for review. |  | 06/27/2025 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXX | 2051909 | XXX |  | 34178179 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs XXXX Underdisclosed - XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year XXXX of on Final Closing Disclosure provided on XXXX are underdisclosed. | The final CD dated XXXX non-escrowed property cost is blank on page XXXX. |  |  |  | Reviewer Comment (2025-06-27): XXXX received PCCD and LOE<br>Buyer Comment (2025-06-25): Submitted PCCD, First Pmt Letter, Re-open Rescission Form, LOE, and Disclosure Tracking delivery for review. |  | 06/27/2025 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXX | 2051909 | XXX |  | 34178178 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. | The Projected Payments section on page XXXX of the CD indicated the loan would have escrows for both taxes and insurance; however, page XXXX did not reflect that escrows were collected. |  |  |  | Reviewer Comment (2025-06-27): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-06-25): Submitted PCCD, First Pmt Letter, Re-open Rescission Form, LOE, and Disclosure Tracking delivery for review. |  | 06/27/2025 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXX | 2051909 | XXX |  | 34178177 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXXis under disclosed by $XXXXcompared to the calculated Finance Charge of $XXXXwhich exceeds the $XXXXthreshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Final Closing Disclosure disclosed a finance charge of $XXXX. Calculating at $XXXX with a variance of $XXXX |  |  |  | Reviewer Comment (2025-06-30): Comparable rent schedule excluded from finance charge<br>Buyer Comment (2025-06-30): Submitted attestation for review.<br>Reviewer Comment (2025-06-27): The XXXX portion could be either - finance charge or non-finance charge. It would depend on what the XXXX fee purpose/service is. Is the XXXX fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the XXXX fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the XXXX fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a XXXX excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and XXXX fee should be disclosed separately or as XXXXcharge, it does not address consideration of the XXXX fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and XXXX agrees that if the XXXX fee charged is primarily for verifying or confirming information connected to the appraisal, the XXXX portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the XXXX charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from XXXX provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Buyer Comment (2025-06-25): Your portal reflects inclusion of $XXXX Appraisal Comparable Rent Schedule (1007 form which is part of the appraisal), which is not an APR/Finance Charge fee. | 06/30/2025 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXX | 2051909 | XXX |  | 34178176 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXXand 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 XXXX). | Final Closing Disclosure disclosed a finance charge of $XXXX. Calculating at $XXXX with a variance of $XXXX. |  |  |  | Reviewer Comment (2025-06-30): Comparable rent schedule excluded from finance charge<br>Buyer Comment (2025-06-30): Submitted attestation for review.<br>Reviewer Comment (2025-06-27): The XXXX portion could be either - finance charge or non-finance charge. It would depend on what the XXXX fee purpose/service is. Is the XXXX fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the XXXX fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the XXXX fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a XXXXexcludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and XXXX fee should be disclosed separately or as one XXXXcharge, it does not address consideration of the XXXX fee as a finance charge or non-finance charge. Finance Charge determination is based on XXXX and XXXX agrees that if the XXXX fee charged is primarily for verifying or confirming information connected to the appraisal, the XXXX portion would also be excluded from finance charges per Commentary under XXXX. If the XXXX charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from XXXX provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Buyer Comment (2025-06-25): Your portal reflects inclusion of $XXXX Appraisal Comparable Rent Schedule (1007 form which is part of the appraisal), which is not an APR/Finance Charge fee. | 06/30/2025 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXX | 2082168 | XXX |  | 34570686 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Fee tolerance violation is caused the appearance of the Re-Inspection fee on the initial closing disclosure dated XXXX. The provided change of circumstance that allows this fee disclosure is dated XXXX from the actual disclosure of the fee to the borrower. Either a lender credit for the fee is required or a corresponding disclosure to the provided CoC. |  |  |  | Reviewer Comment (2025-08-05): XXXX received LE and COC dated XXXX.<br>Buyer Comment (2025-08-01): See attached the LE with addition of the re-inspection fee. See the VCOC and the delivery attached as well. | 08/05/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXX | 2076475 | XXX |  | 34571376 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note discloses the subject city name as XXXX while the provided Flood Certificate reflects a city name of XXXX. Lender to provide corrected Flood Certificate reflecting subject address. |  |  |  | Reviewer Comment (2025-08-13): Received Flood Certificate. Exception Cleared.<br>Buyer Comment (2025-08-12): See attached corrected flood cert | 08/13/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2076475 | XXX |  | 34571378 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Home Loan (Ability to Repay not Verified) | XXXX Home Loan (XXXX): Borrower's ability to repay not verified with reliable documentation. | Missing income analysis or XXXX from Broker |  |  |  | Reviewer Comment (2025-08-11): Lender acknowledges this is Grade 2 and elects to waive<br>Buyer Comment (2025-08-08): Please waive EV2. |  |  | 08/11/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2076475 | XXX |  | 34571379 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Subject transaction does not meet the cash to close requirement. Income of asset depletion requires cash to close to be excluded from the total amount used for income. Using the XXXX bank statements provided, at least some of the cash to close must have been sourced from the stock account ending in XXXX, in which $XXXXof the portfolio was held in equities. Lender guidelines do not allow use of stock accounts to be used at XXXX% usability towards closing costs. Additional assets must be verified that either not used for asset depletion, or are not from restricted usability asset sources. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Received lender exception approval for use of XXXX% of loan amount vs min XXXX%<br>Reviewer Comment (2025-09-09): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXXis less than Cash From Borrower $XXXX.<br>Buyer Comment (2025-09-09): Plese see attached Lender exception and the UW commentary |  |  | 09/09/2025 | 2 C B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2076475 | XXX |  | 34571380 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Fee tolerance violation due to the increase of the appraisal fee. There is a change of circumstance for the fee and sufficient lender cure, however, due to the XXXX% tolerance violation, the cure cannot be applied to this fee. |  |  |  | Reviewer Comment (2025-08-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-08): cured at the closing see final CD | 08/11/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXX | 2076475 | XXX |  | 34571381 |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided At Closing |  | 08/11/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2076485 | XXX |  | 34571399 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the non-warrantable condo with outstanding repairs by the HOA. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower has verified disposable income of at least $XXXX. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-15): Lender exception approval in flle |  |  | 08/15/2025 | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXX | 2076490 | XXX |  | 34571412 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Please provide signed Note document. |  |  |  | Reviewer Comment (2025-08-22): Received<br>Buyer Comment (2025-08-22): see trailing docs | 08/22/2025 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXX | 2076490 | XXX |  | 34571410 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final XXXX is not signed by borrower |  |  |  | Reviewer Comment (2025-08-22): Received<br>Buyer Comment (2025-08-22): see attached signed XXXX | 08/22/2025 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXX | 2076490 | XXX |  | 34571411 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Signed Security Instrument document is missing in the file. |  |  |  | Reviewer Comment (2025-08-22): Received<br>Buyer Comment (2025-08-22): See attached signed collateral package | 08/22/2025 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXX | 2076486 | XXX |  | 34571418 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional XXXX-Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least XXXX prior to closing dated XXXX disclosed an inaccurate APR of XXXX% compared to the actual APR at consummation of XXXX% and a revised CD disclosing an accurate APR was not received by borrower at least (XXXX) business days prior to consummation. | XXXX(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at leastXXXX specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under XXXX, revised disclosures with an accurate APR must be disclosed and a new XXXX-day waiting period prior to consummation provided. The APR on the most recent CD received XXXXdays prior to consummation (XXXX%) changed more than the XXXX% threshold compared to the actual/calculated APR at consummation (XXXX%)and a revised disclosure with accurate APR was not received by the consumer at least XXXX business days prior to consummation. |  |  |  | Reviewer Comment (2025-08-26): XXXX received all versions of CDs<br>Buyer Comment (2025-08-25): See attached All CDs and VCOCs | 08/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXX | 2076486 | XXX |  | 34571419 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least (XXXX) business days prior to consummation |  |  |  |  | Reviewer Comment (2025-08-26): XXXX received CDs.<br>Buyer Comment (2025-08-25): See trailing docs | 08/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXX | 2076486 | XXX |  | 34571421 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXXexceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Valid Change of Circumstance not provided |  |  |  | Reviewer Comment (2025-08-26): XXXX received CD and a valid COC.<br>Buyer Comment (2025-08-25): Please see attached VCOC for the reduced lender credit. | 08/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXX | 2076486 | XXX |  | 34571422 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Title - Patriot Search. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Title - Patriot Search. Fee Amount of $XXXXexceeds tolerance of $XXXX . |  |  |  | Reviewer Comment (2025-08-26): XXXX received CD and a valid COC.<br>Buyer Comment (2025-08-25): Borrower chosen provider. No tolerance | 08/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXX | 2076476 | XXX |  | 34571428 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional XXXX Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least XXXX days prior to closing dated XXXX disclosed an inaccurate APR of XXXX% compared to the actual APR at consummation of XXXX% and a revised CD disclosing an accurate APR was not received by borrower at least (XXXX) business days prior to consummation. | XXXX CD XXXX- Pertinent sections of the CD are blank/missing and has been marked as incomplete. Please provide an attestation confirming (these are/this is) not a consumer CD that (were/was) provided to the borrower. |  |  |  | Reviewer Comment (2025-08-26): Clerical error indicates page XXXX was incomplete.<br>Buyer Comment (2025-08-25): Please see attached lender attestation regarding CD dated XXXX | 08/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXX | 2076476 | XXX |  | 34571429 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least (XXXX) business days prior to consummation | Closing disclosure dated XXXX was wet signed by the borrower and does not disclose the APR on page XXXX. |  |  |  | Reviewer Comment (2025-08-26): Clerical error indicates page XXXX was incomplete.<br>Buyer Comment (2025-08-25): See lender attestation in trailing docs. | 08/26/2025 |  |  | 1 C A |  | XX | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXX | 2076498 | XXX |  | 34571442 |  | Compliance | Compliance | Federal Compliance | ATR/QM | XXXX Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Correspondent is a XXXX Lender and loan was not submitted as Exempt from ATR |  |  |  | Buyer Comment (2025-08-26): Accept as is |  |  | 08/26/2025 | 2 A |  | XX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| XXX | 2076498 | XXX |  | 34571445 |  | 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 (XXXX) business days prior to closing. | Earlier receipt was not provided |  |  |  | Reviewer Comment (2025-08-27): XXXX received initial CD.<br>Buyer Comment (2025-08-26): See CD uploaded. | 08/27/2025 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure A | Non QM | Exempt from ATR | No |
| XXX | 2078721 | XXX |  | 34715520 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Provided Title Commitment is short of a policy coverage amount. Provide policy reflecting sufficient title policy coverage. |  |  |  | Reviewer Comment (2025-08-19): Title Policy Amount updated from Final title policy. Exception cleared.<br>Seller Comment (2025-08-15): Title<br> XXXX - Loan Policy.pdf (Unclassified) was referenced | 08/19/2025 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2078721 | XXX |  | 35020539 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing a secondary full appraisal as required by lender guides due to loan amount/LTV. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-11-24): Client elects to waive and downgrade. |  |  | 11/24/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2078721 | XXX |  | 34715523 |  | 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 ___. | Exception request: Max Loan amount $XXXX exception to current guideline: Loan amount $XXXX<br> Compensating Factors:<br> FICO score above minimum by XXXX points or higher,XXXX- months housing history.<br> Exception Approved. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-15): Client elected to waive exceptions with compensating factors.<br>Reviewer Comment (2025-08-15): .<br>Reviewer Comment (2025-08-15): Lender exception approved to increase loan amount $XXXX. |  |  | 08/15/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2078721 | XXX |  | 34715521 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final Title Policy is not provided in the file. |  |  |  | Reviewer Comment (2025-08-19): Final Title Policy received and associated. Exception cleared. | 08/19/2025 |  |  | 1 A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2082178 | XXX |  | 34915373 |  | 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 allowed an LTV of XXXX% against the required XXXX% for rural XXXXhomes. | Borrower has been employed in the same industry for more than XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-04): Lender exception approval in file |  |  | 09/04/2025 | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2082178 | XXX |  | 34915375 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Refinance purpose discrepancy. | Loan refinance purpose of ___ does not match Guideline loan refinance purpose of ___. | Lender allowed a cash-out refinance on a rural XXXXhome. | Borrower has been employed in the same industry for more than XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-04): Lender exception approval in file |  |  | 09/04/2025 | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2082178 | XXX |  | 34915376 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to the subject not meeting the lender's guidelines for reserves. |  |  |  | Reviewer Comment (2025-09-08): Cash out allowed for reserves<br>Buyer Comment (2025-09-08): It appears you are quoting Asset Qualification guidelines, this is a bank statement loan, please review XXXX. XXXX and bank statement matrix page XXXX . ONLY XXXX Loans have a cash-out restriction.<br>Reviewer Comment (2025-09-05): As subject is a XXXX "Open Road" does not allow for Cash out, an exception was set for Cash out allowed, but no exception for use of it for reserves - please provide additional lender exception approval for cash out to be used for reserves<br>Buyer Comment (2025-09-05): XXXX allows cash back to borrower to be applied towards reserve requirements. Please include the $XXXXborrower received through this cah-out transaction to meet reserve requirements. | 09/08/2025 |  |  | 1 B A C |  | XX | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXX | 2082178 | XXX |  | 34915377 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to Repay failure due to the subject not meeting the lender's guidelines for reserves. |  |  |  | Reviewer Comment (2025-09-08): Cash out allowed for reserves<br>Buyer Comment (2025-09-08): It appears you are quoting Asset Qualification guidelines, this is a bank statement loan, please review Open Road Sec. XXXX and bank statement matrix page XXXX. ONLY Asset Qualification Loans have a cash-out restriction.<br>Reviewer Comment (2025-09-05): As subject is a XXXX "XXXX" does not allow for Cash out, an exception was set for Cash out allowed, but no exception for use of it for reserves - please provide additional lender exception approval for cash out to be used for reserves<br>Buyer Comment (2025-09-05): XXXX allows cash back to borrower to be applied towards reserve requirements. Please include the $XXXX borrower received through this cah-out transaction to meet reserve requirements. | 09/08/2025 |  |  | 1 C A |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2082194 | XXX |  | 34915386 |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at close. |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2082194 | XXX |  | 34915384 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXXwhich exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | HOA Paid Upfront Fees collected under Section C - This is not a Service borrowers can shop for |  |  |  | Reviewer Comment (2025-09-12): XXXX received LOE and PCCD.<br>Buyer Comment (2025-09-12): See trailing docs. |  | 09/12/2025 |  | 2 C B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXX | 2082194 | XXX |  | 34915382 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | HOA Paid Upfront Fees collected under Section C - This is not a Service borrowers can shop for |  |  |  | Reviewer Comment (2025-09-12): XXXX received Letter of Explanation and Corrected CD.<br>Buyer Comment (2025-09-12): See attached PCCD moving HOA fees to section H. PCCD, LOE and proof of delivery. |  | 09/12/2025 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXX | 2082194 | XXX |  | 34915383 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXXis over disclosed by $XXXX compared to the calculated Amount Financed of $XXXXand 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 XXXX). | HOA Paid Upfront Fees collected under Section C - This is not a Service borrowers can shop for |  |  |  | Reviewer Comment (2025-09-12): XXXX received LOE and PCCD.<br>Buyer Comment (2025-09-12): See trailing docs |  | 09/12/2025 |  | 2 C B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXX | 2082180 | XXX |  | 34915391 |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2082180 | XXX |  | 34915390 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed a SFR with XXXX ADU's | Borrower has been employed in the same industry for more than XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX.<br>Borrower's XXXX reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-12): Lender exception approval in file |  |  | 09/12/2025 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXX | 2082189 | XXX |  | 34915398 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a XXXX and the guideline required documentation was not provided. |  | Lender approved documentation for the borrower's residency status. Borrower does not yet have their permanent residency card. - Proceeding with letter only. | Borrower has been employed in the same industry for more than XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-17): Lender exception approval in file |  |  | 09/17/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2082189 | XXX |  | 34915399 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower was approved using the most recent XXXX bank statements for the self-employment income. The XXXX statement is missing from file as required. |  |  |  | Reviewer Comment (2025-09-22): Received<br>Buyer Comment (2025-09-22): See attached missing bank statement XXXX | 09/22/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2082189 | XXX |  | 34915400 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Provided hazard insurance has an effective date that is after closing. Verification the hazard policy was in effect at close is required. |  |  |  | Reviewer Comment (2025-09-22): Received PCCD<br>Buyer Comment (2025-09-19): See attached PCCD, LOE and delivery | 09/22/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2082189 | XXX |  | 34915401 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Ability to repay failure due to missing XXXX bank statement for the bank statement income. |  |  |  | Reviewer Comment (2025-09-22): Received<br>Buyer Comment (2025-09-22): See trailing docs for missing statement. | 09/22/2025 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXX | 2082189 | XXX |  | 34915402 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Ability to repay failure due to missing XXXX bank statement for the bank statement income. |  |  |  | Reviewer Comment (2025-09-22): Received<br>Buyer Comment (2025-09-22): See trailing docs for missing statement. | 09/22/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2082189 | XXX |  | 34915403 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Borrower was qualified on XXXXbank statement income. The statement for XXXX is missing from file as required. |  |  |  | Reviewer Comment (2025-09-22): Recevied<br>Buyer Comment (2025-09-22): See trailing docs for missing statement. | 09/22/2025 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2082177 | XXX |  | 34915414 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the single reported credit score for the co-borrower. | Borrower has been employed in the same industry for more than XXXX<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX.<br>Borrower's XXXX reserves have been verified and exceed the amount required based on the guidelines by at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXXpoints. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-22): Lender approved exception in file |  |  | 09/22/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2081861 | XXX | XXX | 34976212 |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was disclosed on initial Loan estimate as $XXXX but disclosed but final Closing Disclosure $XXXX. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |  | 05/22/2025 |  | 1 A |  | XX | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | No |
| XXX | 2088550 | XXX |  | 34976215 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Non-Owner Occupancy Declaration is missing from the file. |  |  |  | Reviewer Comment (2025-09-19): cleared with NOO Cert.<br>Buyer Comment (2025-09-19): Please find attached. | 09/19/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2088550 | XXX |  | 34976216 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Borrower is short cash to close. Unable to use gift funds because gift letter in the file is not dated. |  |  |  | Reviewer Comment (2025-09-19): Cleared with evidence of dates of signatures on gift letter.<br>Buyer Comment (2025-09-17): Please find attached the electronically signed gift letter and the e-sign document. | 09/19/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2088550 | XXX |  | 34976217 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves XXXX discrepancy. |  | Borrower is reserves. Unable to use gift funds because gift letter in the file is not dated. |  |  |  | Reviewer Comment (2025-09-19): Dates and signatures verified.<br>Buyer Comment (2025-09-17): Please find attached the electronically signed gift letter and the e-sign document. | 09/19/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2088554 | XXX |  | 34976221 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for new lease in place starting XXXX being higher than the market rent. Unable to provide evidence of receipt due to cash payments. Comp factors FICO XXXX LTV XXXX%. | The representative FICO score exceeds the guideline minimum by at least XXXX points. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-09-15): Waived with compensating factors per lender exception approval at origination. |  |  | 09/15/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2088556 | XXX |  | 34976223 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Funds is Missing for Business "XXXX". |  |  |  | Reviewer Comment (2025-10-13): CPA letter.<br>Buyer Comment (2025-10-09): cpa letter | 10/13/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XXX | 2088556 | XXX |  | 34976224 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing appraisal invoice. |  |  |  | Reviewer Comment (2025-09-22): Invoice.<br>Buyer Comment (2025-09-18): XXXX-Please see attached Invoice | 09/22/2025 |  |  | 1 C A D |  | XX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XXX | 2088556 | XXX |  | 34976225 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a XXXX pay history for the primary residence. Fraud report reflects XXXX loans on that property. |  |  |  | Reviewer Comment (2025-10-13): Rent free LOX and Note evidencing not responsible for the loan.<br>Buyer Comment (2025-10-09): $XXXX note<br>Buyer Comment (2025-10-09): please disregard previous comments regarding XXXX<br>Buyer Comment (2025-10-09): rent free loe<br>Buyer Comment (2025-10-09): XXXX note, XXXX note, | 10/13/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XXX | 2088552 | XXX |  | 34976228 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment and mortgage loan payoff indicate a blanket mortgage covers the subject property. Evidence loan was paid in full, or that our subject property was released from this lien, will be required for review |  |  |  | Reviewer Comment (2025-10-14): Received clear final title policy.<br>Buyer Comment (2025-10-14): Final title<br>Reviewer Comment (2025-09-30): Provide something from title verifying the property is fully released from the blanket lien.<br>Buyer Comment (2025-09-29): We completed a total of XXXX refi cash outs for this borrower. All properties with the same amount paid off into the lien.<br>1008 notes indicate the below:<br>Additional loans in process XXXX All are business purpose refinance cash out transactions used to pay off current blanket lien.<br>The final title statement should confirm the same. | 10/14/2025 |  |  | 1 A |  | XX | Investment | Refinance - Rate/Term | A |  | N/A | No |
| XXX | 2088552 | XXX |  | 34976226 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-10-14): Final title policy received | 10/14/2025 |  |  | 1 A |  | XX | Investment | Refinance - Rate/Term | A |  | N/A | No |
| XXX | 2091377 | XXX |  | 34977157 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | XXXX Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2025-10-16): evidence sent and received by borrower provided<br>Reviewer Comment (2025-10-14): Document provided is not dated or signed by borrower.<br>Buyer Comment (2025-10-07): Homeowner disclosure attached | 10/16/2025 |  |  | 1 B A |  | XX | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| XXX | 2091377 | XXX |  | 34977158 |  | Compliance | Compliance | State Compliance | State HPML | XXXX Home Loan Threshold Fixed Non-Compliant | XXXX Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant XXXX Loan. |  |  |  |  | Reviewer Comment (2025-10-16): reran testing | 10/16/2025 |  |  | 1 B A |  | XX | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, 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 subprime home loan 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. | Non QM | Non QM | Yes |
| XXX | 2091377 | XXX |  | 34977159 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | XXXX Loan: Borrower not provided with Notice of Taxes and Insurance on XXXXlien, subprime loan. |  |  |  |  | Reviewer Comment (2025-10-14): received<br>Buyer Comment (2025-10-08): Disclosure attached<br>Buyer Comment (2025-10-08): Disclosures attached | 10/14/2025 |  |  | 1 B A |  | XX | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| XXX | 2091377 | XXX |  | 34977161 |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2091377 | XXX |  | 34977162 |  | Compliance | Compliance | State Compliance | State HPML | XXXX Home Loan Threshold Fixed Compliant | XXXX Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2025-10-22): Lender acknowledges as is.<br>Buyer Comment (2025-10-20): Please waive and close logan accepts EV 2 |  |  | 10/22/2025 | 2 B |  | XX | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, 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 subprime home loan 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. | Non QM | Non QM | Yes |
| XXX | 2091378 | XXX |  | 34977167 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-10-24): Received Title Commitment. Exception cleared<br>Buyer Comment (2025-10-23): Updated schedule A reflecting $XXXX title ins<br>Reviewer Comment (2025-10-14): Received title commitment with title policy amount $XXXX which is still less than the loan amount $XXXX. Exception remains.<br>Buyer Comment (2025-10-10): updated title commitment w/ correct coverage | 10/24/2025 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2091380 | XXX |  | 34977175 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | No cure provided |  |  |  | Reviewer Comment (2025-10-17): XXXX received valid COC document<br>Buyer Comment (2025-10-16): Please see attached VCOC - guideline adjustment - Income could not be supported. pricing adjustment reducing lender credit. | 10/17/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXX | 2091380 | XXX |  | 34977177 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File allowed for use of supplemental rental income from XXXX properties without a rental agreement. | Borrower has been employed in the same industry for more than XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXXpoints. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-15): Lender exception approval in file |  |  | 10/15/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2091389 | XXX |  | 34977179 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed appraisal by non-residential appraisal | Borrower has been employed in the same industry for more than XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-15): Lender exception approval in file |  |  | 10/15/2025 | 2 B |  | XX | Investment | Refinance - Rate/Term | B A | Non QM | Exempt from ATR | No |
| XXX | 2091382 | XXX |  | 34977183 |  | 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 is Missing |  |  |  | Reviewer Comment (2025-10-17): Received<br>Buyer Comment (2025-10-17): Please see attached rate lock confirmation. | 10/17/2025 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2091382 | XXX |  | 34977187 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed less thanXXXX self-employment history at current business | Borrower has been employed in the same industry for more than XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX.<br>Borrower's XXXX mortgage payment has decreased by at least XXXX%.<br>Borrower's XXXX reserves have been verified and exceed the amount required based on the guidelines by at least XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-17): Lender exception approval in file |  |  | 10/17/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2091382 | XXX |  | 34977185 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-10-22): Received PCCD correcting escrow to match initial escrow disclosure<br>Buyer Comment (2025-10-21): Please see PCCD with amounts matching.<br>Reviewer Comment (2025-10-21): How could it be a preliminary Final CD when the timestamp is AFTER the signed CD? Email sent as well.<br>Buyer Comment (2025-10-20): The Final CD that is signed has the same beginning escrow balance that matches the IED. The other CD that is not signed is not the Final CD but is just a prelim CD to determine fees prior to closing. It is not signed so can't be accepted as the Final CD.<br>Reviewer Comment (2025-10-20): The initial escrow disclosure reflects $XXXX<br> The CD reflects $XXXX<br>Buyer Comment (2025-10-20): Both the CD and the IED have the same matching beginning escrow balance amounts of $XXXX. |  | 10/22/2025 |  | 2 B |  | XX | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXX | 2091381 | XXX |  | 34977213 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Subject transaction does not meet the cash to close requirement due to the insufficient documentation of the gift funds. The provided gift letter verifies a gift amount that does not match the HUD-1 and the transfer of funds was not documented as required. Additional assets are will still be required to be verified with the most recent XXXX bank statements to meet the cash to close and reserve requirement after the correct gift fund asset. |  |  |  | Reviewer Comment (2025-10-07): Received<br>Buyer Comment (2025-10-06): ATTACHED | 10/07/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2091381 | XXX |  | 34977214 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves XXXX discrepancy. |  | Subject transaction does not meet the lender's reserve requirement. The provided gift letter verifies a gift amount that does not match the HUD-1 and the transfer of funds was not documented as required. Additional assets are will still be required to be verified with the most recent XXXX bank statements to meet the cash to close and reserve requirement after the correct gift fund asset. |  |  |  | Reviewer Comment (2025-10-16): Credited borrower with Pro-rated taxes from seller<br>Reviewer Comment (2025-10-07): Received closing statement, verifying gift funds in the amount of $XXXX- short $XXXXin reserves<br>Reviewer Comment (2025-10-07): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXXis less than Guideline PITIA months reserves of XXXX.<br>Buyer Comment (2025-10-06): ATTACHED | 10/16/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2091375 | XXX |  | 34977221 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo Association has outstanding repairs - Non warrantable Condo | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at leastXXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-08): Lender exception approval in file |  |  | 10/08/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2091379 | XXX |  | 34977226 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-10-24): Papertrail provided for new account<br>Buyer Comment (2025-10-23): See attached XXXX Statement and Letter showing new account<br>Buyer Comment (2025-10-23): Please see attached the XXXX account XXXXwas opened with rollover funds from XXXX<br>Reviewer Comment (2025-10-22): As per guidelines required XXXX bank statement prior to note date XXXX for account number XXXX. Exception remains.<br>Buyer Comment (2025-10-17): All statements for XXXX accounts<br>Reviewer Comment (2025-10-16): As per Guideline, bank statement must cover a minimum XXXX period. And provided XXXX bank statement is for just XXXX (XXXX to XXXX). Hence exception remains.<br>Buyer Comment (2025-10-14): Is there a reason the XXXX account is not being used ? | 10/24/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXX | 2091379 | XXX |  | 34977227 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File contains a Lender-Approved Exception allowing for an investor concentration of XXXX% versus a guideline maximum of XXXX%. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXXpoints. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-13): Lender exception provided with compensating factors. |  |  | 10/13/2025 | 2 B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXX | 2091386 | XXX |  | 34977231 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed for XXXX open/active tradelines versus guideline minimum of XXXX open/active tradelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at leastXXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-16): Lender exception approval in file |  |  | 10/16/2025 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2091385 | XXX |  | 34977234 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender-Approved allowing for XXXX mortgage late on subject property versus guideline minimum of no late payments in the last XXXX. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-16): Lender exception approval in file |  |  | 10/16/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2091392 | XXX |  | 34977243 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-10-24): Per Lender only XXXX provided for Approval<br>Buyer Comment (2025-10-24): The XXXX use the XXXX as the approval, which is already in the file. | 10/24/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 3**

![](situs-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 11/24/2025 4:03:31 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** |
| XXXX | 1078890 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2051909 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 2082168 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | 2076475 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 2076488 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 2076485 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | 2076490 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2076486 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 2076476 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2076498 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| XXXX | 2078721 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| XXXX | 2082178 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 2082194 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 2082180 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | 2082197 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| XXXX | 2082189 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.60 |
| XXXX | 2082182 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2082190 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2082177 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 2081861 | XXX | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.070% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 2088557 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
| XXXX | 2088550 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2088553 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2088554 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 2088556 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 2088552 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 2091377 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2091378 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 2091376 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 2091380 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| XXXX | 2091389 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 2091384 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 2091382 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 2091390 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
| XXXX | 2091383 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | 2091381 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | 2091375 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2091379 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 2091386 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 2091385 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 2091391 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 2091388 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 2091392 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 4**

![](situs-logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 11/24/2025 4:03:31 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| XXXX | 1078890 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX |  |  |  | XXX | XXX | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2051909 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | XXX | XXX | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX | XXX |  |  | Yes | Preliminary | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082168 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2076475 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | XXX | XXX | Other Documentation (O) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2076488 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2076485 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | XXX | XXX | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2076490 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2076486 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Personal, Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2076476 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Personal, Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2076498 | XXX |  | Exempt from ATR | Non QM | Yes |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2078721 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | XXX | XXX | Other Documentation (O) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082178 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082194 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | XXX | XXX | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082180 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082197 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | XXX | XXX | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082189 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | Yes |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082182 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082190 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | XXX | XXX | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No | XXX |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2082177 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  | Yes | Preliminary | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2081861 | XXX | XXX | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | XXX | XXX | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2088557 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | No | No | No | No | XXX |
| XXXX | 2088550 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2088553 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | No | No | No | No | XXX |
| XXXX | 2088554 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2088556 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2088552 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | No | No | No | No | XXX |
| XXXX | 2091377 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX | XXX |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091378 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Personal | XXX |  |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091376 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX | XXX |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091380 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX |  |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091389 | XXX |  | Exempt from ATR |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX |  | XXX |  | XXX |  | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091384 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Personal | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | No |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091382 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX |  |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX | XXX |  |  | Yes | Final | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091390 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | Business | XXX | XXX |  |  | XXX | XXX | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091383 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | XXX | XXX | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091381 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX |
| XXXX | 2091375 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX |
| XXXX | 2091379 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | No | No | No | No | XXX |
| XXXX | 2091386 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX |
| XXXX | 2091385 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX |
| XXXX | 2091391 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX |
| XXXX | 2091388 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX |
| XXXX | 2091392 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 5**

![](situs-logo.jpg)

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 11/24/2025 4:03:32 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 | 315 | 316 | 317 | 318 | 319 | 320 | 321 | 322 | 323 | 324 | 325 | 326 | 327 | 328 | 329 | 330 | 331 | 332 | 333 | 334 | 335 | 336 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXX | 2082189 | XXX |  |  |  |  |  |  | No |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  | Level 3-Stated/Partially Verified | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2088557 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2088550 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2088553 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2088554 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | 0.17 |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2088556 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | 1.94 |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2088552 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | 0.52 |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2091389 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 1.78 |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2091381 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2091375 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | 2.99 | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2091379 | XXX |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Short Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No | No | Experienced Investor |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2091386 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2091385 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | 1.54 |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2091391 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2091388 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | 1.29 | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2091392 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | 2.44 |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02**

![](ex9902001.jpg)

**NARRATIVE**

**EFMT 2025-NQM6**

**By Canopy Financial Technology Partners LLC on November 24, 2025**

Canopy Financial Technology Partners LLC

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

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

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

![](ex9902001.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 Ellington Management Group, LLC (the "Client") or its affiliated company. The Review was conducted from August to October 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of twenty-three (23) loans with an aggregate principal balance of $17,449,827.

**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 Ratings, Inc., and Kroll Bond Rating Agency, LLC.

**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 |
| &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 |

---

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

![](ex9902001.jpg)

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

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

![](ex9902001.jpg)

● 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)).

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

![](ex9902001.jpg)

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

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

● 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;

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

![](ex9902001.jpg)

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

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

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

**"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.

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

![](ex9902001.jpg)

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

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

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

**Compliance Review**

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

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

(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;

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

![](ex9902001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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");

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

![](ex9902001.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. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
 date and determining if a full three (3) day rescission period was adequately provided
 to the borrower(s). The appropriate Model Form will be tested according to applicable
 U.S. Court of Appeals, Circuit Court rulings;

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

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

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

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

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

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

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

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

![](ex9902001.jpg)

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● 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.

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

![](ex9902001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**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.

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

![](ex9902001.jpg)

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

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

**Ability to Repay (ATR)**

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

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

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

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

![](ex9902001.jpg)

**VALUATION REVIEW**

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

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

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

***Independent third-party values***

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 a Desk Review, or other acceptable review product, was provided supporting the origination appraised value within a -10% variance and acceptable confidence score, no additional products were required.

● In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review or second appraisal 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 an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product 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 an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

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

![](ex9902001.jpg)

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

---

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

---

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

![](ex9902001.jpg)

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (23 loans) have an overall grade of "A" and 0.00% (0 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (23 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (23 loans) of 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 100.00%, (23 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

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

![](ex9902001.jpg)

**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;23 | &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;**23** | &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;23 | &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;**23** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &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;**23** | &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;23 | &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;**23** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex9902001.jpg)

**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;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$17449827.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17449827.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$17449827.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17449827.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;$540800.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;13.04% | &nbsp;&nbsp;$1315850.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;9 | &nbsp;&nbsp;39.13% | &nbsp;&nbsp;$6156267.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;26.09% | &nbsp;&nbsp;$4140910.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;17.39% | &nbsp;&nbsp;$5296000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17449827.00** |
| &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;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$17449827.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17449827.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;21 | &nbsp;&nbsp;91.30% | &nbsp;&nbsp;$17175327.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;$274500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17449827.00** |

---

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

![](ex9902001.jpg)

**DATA COMPARISON RESULTS**

Of the twenty-three (23) mortgage loan files reviewed, one (1) unique loans (4.35% by number) had one (1) tape comparison discrepancies across one (1) data field.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &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;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;4.35% |

---

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2074217 |  |  | xxx A |
| 2079363 |  |  | xxx D A |
| 2079367 |  |  | xxx A |
| 2082075 |  |  | xxx D A |
| 2079364 |  |  | xxx A |
| 2079365 |  |  | xxx A |
| 2079366 |  |  | xxx A |
| 2082077 |  |  | xxx A |
| 2082078 |  |  | xxx A |
| 2082076 |  |  | xxx A D |
| 2082079 |  |  | xxx A |
| 2084038 |  |  | xxx A |
| 2088467 |  |  | xxx B A |
| 2084039 |  |  | xxx A |
| 2084040 |  |  | xxx A |
| 2086332 |  |  | xxx A |
| 2088529 |  |  | xxx D A |
| 2088530 |  |  | xxx A |
| 2088531 |  |  | xxx A |
| 2091099 |  |  | xxx D A |
| 2091101 |  |  | xxx C A |
| 2091100 |  |  | xxx D A |
| 2091102 |  |  | xxx A |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2074217 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2079363 |  | D A | Closed | FCRE1202 | 2025-09-02 10:56 | 2025-09-03 13:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-Third Party Fraud Report Partially Provided The Fraud Report is missing from the file. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-09/03/2025<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 - 10.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.04 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 6.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2079367 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2082075 |  | D A | Closed | FCRE1324 | 2025-09-05 09:49 | 2025-09-10 10:23 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Tax Returns Not Signed | Resolved-E-Signed personal & business tax returns & CPA letter provided. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-Borrower 1 Tax Returns Not Signed per guides Elite,The most recent one (1) or two (2) years of tax returns. If applicable, both personal and <br> business (including all K-1s and schedules), signed and dated by each borrower - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-E-Signed personal & business tax returns & CPA letter provided. - Due Diligence Vendor-09/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.16% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 67.16% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2082075 |  | D A | Closed | FCRE5782 | 2025-09-05 10:07 | 2025-09-07 09:17 | 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-09/07/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing GAP credit is required with 10 days prior to closing. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.16% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 67.16% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2079364 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2079365 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2079366 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2082077 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2082078 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2082076 |  | D A | Closed | FPRO1244 | 2025-09-15 11:48 | 2025-09-16 07:51 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM provided. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025 <br>Open-3rd Party Valuation is missing from the loan file. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-AVM provided. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.79% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 73.79% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 17.52% 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 28.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 28.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 2082079 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2084038 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2088467 |  | B A | Closed | FCRE1182 | 2025-09-24 17:11 | 2025-09-26 08:50 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/25/2025 <br>Open-1008/Underwriting Summary Not Provided missing in file - Due Diligence Vendor-09/24/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.91 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 378.86 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 xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 2084039 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2084040 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2086332 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2088529 |  | D A | Closed | FCRE1342 | 2025-10-08 06:41 | 2025-10-17 13:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Counter-Apologizes for the confusion, The Lenders File is missing all 12 months of Bank statements used to qualify the Borrowers income. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-Borrower 1 Business Bank Statements Missing Provide the business bank statements for xxx, xxx. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-10/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.29% 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 - 7.42 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 0.22 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 2088530 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2088531 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2091099 |  | D A | Closed | FCRE1815 | 2025-10-22 13:27 | 2025-10-24 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Articles of incorp & Franchise tax account status "active" provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing operating agreement and Certificate of good standing - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Articles of incorp & Franchise tax account status "active" provided - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 28.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2091101 |  | C A | Closed | FCRE1193 | 2025-10-27 08:29 | 2025-10-28 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided the Missing xxx as they were missing from the Loan file. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Please see attached bank statements and worksheet for this account.<br> We are only using the acct xxx - Seller-10/27/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-10/27/2025 <br> Open-DTI discrepancy of audit 39.45% vs lender 28.96% due to income. See attached income worksheet. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see attached bank statements and worksheet for this account.<br> We are only using the acct xxx - Seller-10/27/2025 | Resolved-Lender provided the Missing xxx as they were missing from the Loan file. - Due Diligence Vendor-10/28/2025 | 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 - 25.34 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.45% 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 0.0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2091100 |  | D A | Closed | FCRE1145 | 2025-10-28 00:52 | 2025-10-30 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-Title Document is missing; only the supplemental report was in the file - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-10/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 17.27 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 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 37.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2091102 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 2088467 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 56.74 | 1.763 | 1.763 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 378.86 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2091099 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 99.86 | 1.001 | 1.001 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 8.3 | 1 | 1 | N/A | 28.95 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 106 | 107 | 108 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** |
| 2074217 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.26% | 48.26% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.34 | No | 59.59 | N/A | xxx | xxx | xxx |
| 2079363 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.375% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 8.47% | 8.47% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 41.04 | xxx | 41.04 | No | 80 | N/A | xxx | xxx | xxx |
| 2079367 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.23% | 39.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 51.49% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 96.67 | No | 34.12 | N/A | xxx | xxx | xxx |
| 2082075 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 17.21% | 17.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 6 | CPA |  |  |  | Yes | 6 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.18 | xxx | 13.18 | No | 67.16 | N/A | xxx | xxx | xxx |
| 2079364 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.000% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.99% | 41.99% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower | Borrower - 1 YR Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 27.48 | xxx | 27.48 | No | 85 | N/A | xxx | xxx | xxx |
| 2079365 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.999% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.70% | 20.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.07 | xxx | 10.07 | No | 80 | N/A | xxx | xxx | xxx |
| 2079366 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.56% | 35.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 47 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.63 | No | 80 | N/A | xxx | xxx | xxx |
| 2082077 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.375% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.85% | 14.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 33.64 | xxx | 33.64 | No | 80 | N/A | xxx | xxx | xxx |
| 2082078 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.23% | 33.23% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 51 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 69.66 | xxx | 69.66 | No | 80 | N/A | xxx | xxx | xxx |
| 2082076 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.375% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.52% | 17.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 30.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 28.41 | xxx | 28.41 | No | 73.79 | N/A | xxx | xxx | xxx |
| 2082079 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.625% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.53% | 42.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 31.45 | xxx | 31.45 | No | 80 | Yes | xxx | xxx | xxx |
| 2084038 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.750% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.72% | 32.72% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 35 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 26.86 | xxx | 26.86 | No | 79.97 | N/A | xxx | xxx | xxx |
| 2088467 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.763 | 1.763 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 378.86 | xxx | 378.86 | No | 75 | N/A | xxx | xxx | xxx |
| 2084039 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.250% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.42% | 31.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.71 | xxx | 6.71 | No | 90 | N/A | xxx | xxx | xxx |
| 2084040 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.13% | 44.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.14 | xxx | 21.14 | No | 90 | N/A | xxx | xxx | xxx |
| 2086332 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.62% | 43.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 15.10 | xxx | 15.16 | No | 76.47 | N/A | xxx | xxx | xxx |
| 2088529 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.29% | 44.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.95 | No | 80 | N/A | xxx | xxx | xxx |
| 2088530 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.47% | 28.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Borrower Prepared | 9 | Borrower |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 31.98 | xxx | 31.98 | No | 69.26 | N/A | xxx | xxx | xxx |
| 2088531 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.625% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.00% | 43.00% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.68 | xxx | 17.68 | No | 85 | N/A | xxx | xxx | xxx |
| 2091099 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.000% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.95 | No | 75 | N/A | xxx | xxx | xxx |
| 2091101 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.97% | 28.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.18 | xxx | 7.18 | No | 90 | N/A | xxx | xxx | xxx |
| 2091100 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.250% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.52% | 37.52% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 70.00% | 30.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | Yes | 60 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.27 | xxx | 17.27 | No | 80 | N/A | xxx | xxx | xxx |
| 2091102 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.250% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.22% | 31.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 37.50% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.78 | xxx | 21.78 | No | 90 | N/A | xxx | xxx | xxx |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 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** |
| 2074217 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 59.59 | 59.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 2079363 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2079367 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 34.12 | 34.12 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2082075 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 67.16 | 67.16 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.5 |  |
| 2079364 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 2079365 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | xxx | -.0255 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0255 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2079366 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2082077 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2082078 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2082076 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 73.79 | 73.79 | xxx | xxx | -.0293 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0293 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2082079 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 2084038 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 79.97 | 79.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2088467 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2084039 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2084040 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 2086332 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 76.47 | 76.47 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 2088529 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2088530 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 69.26 | 69.26 | xxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2088531 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2091099 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2091101 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2091100 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2091102 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 2074217 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2079363 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2079367 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2082075 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2079364 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2079365 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2079366 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2082077 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2082078 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2082076 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2082079 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2084038 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 2088467 |  |  | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2084039 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2084040 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2086332 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2088529 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2088530 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2088531 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 2091099 |  |  | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2091101 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2091100 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 2091102 |  |  | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 7**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 2091100 |  |  | Qualifying Total Debt Income Ratio | 37.52 | 42.300 |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03**

![](ex9903001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2025-NQM6**

**By Clarifii LLC on November 21, 2025**

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 1

![](ex9903001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 11 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2025-NQM6 transaction. The Loans referenced in this narrative report were reviewed between 09/2024 to 10/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;4 | &nbsp;&nbsp;36.36% | &nbsp;&nbsp;$3964600.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;5 | &nbsp;&nbsp;45.46% | &nbsp;&nbsp;$4843000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;2 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;$1777500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10585100.00** |

---

The Review consisted of a population of 11 Loans, with an aggregate principal balance of $10,585,100.00.

**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.

**LOAN SAMPLING**

The Clients 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.

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 2

![](ex9903001.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &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;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;All Other Payments |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &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 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &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 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 3

![](ex9903001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &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 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &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 |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 4

![](ex9903001.jpg)

---

| |
|:---|
| &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;Maturity Date |
| &nbsp;&nbsp;Negative Amortization Flag |
| &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;Originator Doc Type |
| &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 Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;ULI |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 5

![](ex9903001.jpg)

**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 Clients, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

– A credit report or alternative credit history as applicable to Loan type is present for each borrower

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 6

![](ex9903001.jpg)

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower
 name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject
 property ownership history

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 officer

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

● **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

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 7

![](ex9903001.jpg)

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**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:

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 8

![](ex9903001.jpg)

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

● **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).

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 9

![](ex9903001.jpg)

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

● **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.

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 10

![](ex9903001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 11

![](ex9903001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 12

![](ex9903001.jpg)

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**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.

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 13

![](ex9903001.jpg)

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

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

Clarifii's review was based on information contained in the Loan file at the time it was provided for review. All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

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

● **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 determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 14

![](ex9903001.jpg)

● 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 or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

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

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

● For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10%**<br> **Variance to OA or**<br> **Confidence < 80%** | &nbsp;&nbsp;**Number of Files**<br> **within -10% of OA**<br> **or Acceptable UCDP**<br> **Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &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;1 |

---

**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, clients, 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.

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 15

![](ex9903001.jpg)

**Final Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &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. |

---

**Credit Event Grade**

---

| | |
|:---|:---|
| &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 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. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

**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 Government-Sponsored Enterprise (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. |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 16

![](ex9903001.jpg)

**Compliance Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. |
| &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 missing, 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. |

---

**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 Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;45.45% |
| &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;**11** | &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;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;45.45% |
| &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;**11** | &nbsp;&nbsp;**100.00%** |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 17

![](ex9903001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &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;**11** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &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;**11** | &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;Fixed | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$10585100.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10585100.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.91% | &nbsp;&nbsp;$10185100.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$400000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10585100.00** |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 18

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;5 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$4102500.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$6482600.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10585100.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$10585100.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10585100.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$10585100.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10585100.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Clients 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 Field** | &nbsp;&nbsp;**Loans With**<br> **Discrepancy** | &nbsp;&nbsp;**Total Times**<br> **Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;All Other Payments | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 19

![](ex9903001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &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;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &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;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 20

![](ex9903001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &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;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |

---

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 21

![](ex9903001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &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;1. Narrative
 Report/Executive Summary

2. Attestation
 Forms

3. ASF
 Report

4. Rating
 Agency Grade Detail and Summary Report

5. Data
 Compare Report

6. Valuations
 Report

7. Rating
 Agency ATR/QM Report

8. Supplement
 Data Extract

9. Business
 Purpose Supplement Data Extract Report

**Disclaimer**

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 22

![](ex9903001.jpg)

*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.

EFMT 2025-NQM6 Due Diligence Narrative Report – PagE \| 23

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 1923661 | XXXX | XXXX | 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 | 16394 | 10.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14653.3 | Yes | Employed |  | No |  | No |  |
| XXXX | 2076462 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38831.75 | Yes | Employed |  | No |  | No |  |
| XXXX | 2076470 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10790 | 7.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47699.28 | Yes | Employed |  | No |  | No |  |
| XXXX | 2076469 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5840 | 6.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20569.19 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 2076473 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 7.013 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13747.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 2076471 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.013 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19048.68 | Yes | Employed |  | No |  | No |  |
| XXXX | 2076461 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 133286.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 2075213 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3490 | 7.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26798.59 | Yes | Employed |  | No |  | No |  |
| XXXX | 2081041 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.538 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12854.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 2081042 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28655.13 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 2091033 | XXXX | XXXX | 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 | 1590 | 7.094 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 100443.71 | Yes | Not Employed | Employed | No | No | No |  |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 1923661 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | X | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076462 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | X | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 2076470 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  |  |
| XXXX | 2076469 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.93 | 42.93 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  |  |
| XXXX | 2076473 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | X | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076471 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  |  |
| XXXX | 2076461 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 52.63 | 52.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | X | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075213 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 2081041 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 2.4 | XXXX |
| XXXX | 2081042 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2091033 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0129 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0129 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 2076462 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 0.92 | 11 | Per Final 1003 |
| XXXX | 2076473 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | Per 1003 |
| XXXX | 2076471 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 2076461 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 157948.47 | per 1003 |
| XXXX | 2076461 | XXXX | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Per 1003 |
| XXXX | 2076461 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | Per 1003, credit report |
| XXXX | 2081042 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Total Financed properties = 2 - Subject and B2 primary |
| XXXX | 2091033 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| XXXX | 2091033 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 1923661 | XXXX | XXXX B D A |
| XXXX | 2076462 | XXXX | XXXX A |
| XXXX | 2076470 | XXXX | XXXX C A B |
| XXXX | 2076469 | XXXX | XXXX D A |
| XXXX | 2076473 | XXXX | XXXX A |
| XXXX | 2076471 | XXXX | XXXX D A |
| XXXX | 2076461 | XXXX | XXXX D A |
| XXXX | 2075213 | XXXX | XXXX C A B |
| XXXX | 2081041 | XXXX | XXXX D A B |
| XXXX | 2081042 | XXXX | XXXX C A B |
| XXXX | 2091033 | XXXX | XXXX D A |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 1923661 | XXXX D B A | Closed | FCRE1194 | 2024-09-20 13:07 | 2025-03-03 14:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator Exception Granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/20/2024 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% Exception Granted on Loan Approval with pricing adjustment - Due Diligence Vendor-09/20/2024 |  | Waived-Originator Exception Granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/20/2024<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $14000 exceeds $3500 monthly residual income<br>On time mortgage history exceeds guideline requirement - On time mortgage history of 46 months exceeds the 12 month guideline requirement |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 2419600 |
| XXXX | 1923661 | XXXX D B A | Closed | FCOM1290 | 2024-09-16 13:37 | 2024-09-25 06:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Undiscounted Rate is Present - Due Diligence Vendor-09/25/2024 <br>Ready for Review-Document Uploaded. The undiscounted rate information has been uploaded for your review, please clear condition. - Seller-09/23/2024 <br>Open-Undiscounted Rate is Missing - This is the interest rate available to the borrower based on the borrower's particular credit profile and loan characteristics, before any discount points are applied. Unable to test QM points and fees properly. - Due Diligence Vendor-09/16/2024 | Ready for Review-Document Uploaded. The undiscounted rate information has been uploaded for your review, please clear condition. - Seller-09/23/2024<br>| Resolved-Undiscounted Rate is Present - Due Diligence Vendor-09/25/2024<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $14000 exceeds $3500 monthly residual income<br>On time mortgage history exceeds guideline requirement - On time mortgage history of 46 months exceeds the 12 month guideline requirement |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2382857 |
| XXXX | 2076462 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 2076470 | XXXX C B A | Closed | FCRE1506 | 2025-08-22 12:52 | 2025-08-26 16:52 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. income explanation enclosed - Seller-08/22/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income: Income/Employment General. Variable income sources are eligible provided the borrower has a minimum 2-year history. Borrower has not been receiving bonus income for a complete 2 years. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. income explanation enclosed - Seller-08/22/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - LTV is 80% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 722 and minimum allowed is 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5284405 |
| XXXX | 2076470 | XXXX C B A | Closed | FCRE8611 | 2025-08-22 10:46 | 2025-08-26 16:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received validation bonus is paid once annually--borrower received 2 years bonus. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. income explanation enclosed - Seller-08/22/2025 <br>Open-Income/Employment General. Variable income sources are eligible provided the borrower has a minimum 2-year history. Borrower has not been receiving bonus income for a complete 2 years. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. income explanation enclosed - Seller-08/22/2025<br>| Resolved-Received validation bonus is paid once annually--borrower received 2 years bonus. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - LTV is 80% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 722 and minimum allowed is 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5281229 |
| XXXX | 2076470 | XXXX C B A | Closed | FCRE8201 | 2025-08-22 11:59 | 2025-08-22 12:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow Non-Perm resident, Non-material waiver applied with comp factors. non-material due to borrower is eligible to apply for permanent residency in the US. - Due Diligence Vendor-08/22/2025 <br> Open-Loan does not conform to program guidelines. Borrower is a non perm resident that has not worked or lived in the US for the past 2 years, however working for the same US company for the past 14 years out of XXXX.<br> Originator exception provided with comp factors to allow borrower borrower to work and live in XXXX for the past two years.<br> - Due Diligence Vendor-08/22/2025 |  | Waived-Originator exception granted to allow Non-Perm resident, Non-material waiver applied with comp factors. non-material due to borrower is eligible to apply for permanent residency in the US. - Due Diligence Vendor-08/22/2025<br>| LTV is less than guideline maximum - LTV is 80% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 722 and minimum allowed is 680. | -Reserves 12+months more than required.<br> - Long Term Employment (>than 5 years)<br> - Long Term Homeownership (>than 5 years). |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5283394 |
| XXXX | 2076469 | XXXX D A | Closed | FCRE3653 | 2025-08-25 13:08 | 2025-09-03 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received acceptable LOE. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. LOE regarding not being on title - Seller-09/02/2025 <br>Open-If any borrower is not on title an LOE must be provided (p. 22 of the guidelines). The co-borrower did not sign the mortgage and is not on title. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. LOE regarding not being on title - Seller-09/02/2025<br>| Resolved-Received acceptable LOE. - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - LTV is 42.93% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5303626 |
| XXXX | 2076469 | XXXX D A | Closed | FCRE9814 | 2025-08-25 11:38 | 2025-08-28 17:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received sellers trust. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. trust agreement - Seller-08/27/2025 <br>Open-Missing the Trust Agreement for Seller to confirm Signing Authority. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. trust agreement - Seller-08/27/2025<br>| Resolved-Received sellers trust. - Due Diligence Vendor-08/28/2025<br>| LTV is less than guideline maximum - LTV is 42.93% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5301694 |
| XXXX | 2076473 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2076471 | XXXX D A | Closed | FCRE1316 | 2025-08-28 11:41 | 2025-08-29 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received XXXX as VVOE. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. borrower is self employed... enclosed from our file should be acceptable - Seller-08/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. Verbal VOE dated within 10 business days of closing is required. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. borrower is self employed... enclosed from our file should be acceptable - Seller-08/28/2025<br>| Resolved-Received XXXX as VVOE. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 798 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - DTI is 32.46% and max allowed is 43% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5348322 |
| XXXX | 2076461 | XXXX D A | Closed | FCRE0108 | 2025-09-05 12:27 | 2025-09-11 14:15 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received evidence of sufficient Fidelity Coverage. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. master insurance - Seller-09/05/2025 <br>Open-Fidelity Coverage not met. Missing proof of Fidelity Coverage. Fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project is required.<br> - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. master insurance - Seller-09/05/2025<br>| Resolved-Received evidence of sufficient Fidelity Coverage. - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 727 and minimum allowed is 700.<br>LTV is less than guideline maximum - LTV is 52.63% and max allowed is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5429797 |
| XXXX | 2076461 | XXXX D A | Closed | FCRE1173 | 2025-09-05 12:27 | 2025-09-11 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-HO6 policy has sufficient coverage - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. borrower had their own coverage under their own policy (showed sufficient coverage and replacement cost)... they would not have to be covered under a master policy too - Seller-09/09/2025 <br>Counter-Received liability only-please provide complete master HOI. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Missing Condo Master Insurance Policy Missing copy of the Condo Master Insurance Policy. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. borrower had their own coverage under their own policy (showed sufficient coverage and replacement cost)... they would not have to be covered under a master policy too - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-HO6 policy has sufficient coverage - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 727 and minimum allowed is 700.<br>LTV is less than guideline maximum - LTV is 52.63% and max allowed is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5429798 |
| XXXX | 2076461 | XXXX D A | Closed | FCRE1175 | 2025-09-05 12:27 | 2025-09-11 14:15 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-HO6 has sufficient coverage. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. borrower had their own coverage under their own policy (showed sufficient coverage and replacement cost)... they would not have to be covered under a master policy too - Seller-09/09/2025 <br>Counter-Received liability coverage-please provide master insurance policy. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. master insurance - Seller-09/05/2025 <br>Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Missing copy of the Condo Master Insurance Policy to verify name. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. borrower had their own coverage under their own policy (showed sufficient coverage and replacement cost)... they would not have to be covered under a master policy too - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. master insurance - Seller-09/05/2025<br>| Resolved-HO6 has sufficient coverage. - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 727 and minimum allowed is 700.<br>LTV is less than guideline maximum - LTV is 52.63% and max allowed is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5429799 |
| XXXX | 2075213 | XXXX C B A | Closed | FCRE0127 | 2025-09-09 09:42 | 2025-09-09 11:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Type does not meet eligibility requirements | Waived-Originator exception granted to allow borrower running business out of the business . Non-material waiver applied with comp factors. Deemed non-material due to subject zoned residential and there is no hazardous environment or major alterations done to the structure. - Due Diligence Vendor-09/09/2025 <br> Open-Subject considered mixed use due to borrower runs XXXX business out of the basement. - Due Diligence Vendor-09/09/2025 |  | Waived-Originator exception granted to allow borrower running business out of the business . Non-material waiver applied with comp factors. Deemed non-material due to subject zoned residential and there is no hazardous environment or major alterations done to the structure. - Due Diligence Vendor-09/09/2025<br>| Qualifying DTI below maximum allowed - DTI is 35.57% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 724 and minimum allowed is 700 | -Fico 20 points or more above requirement<br> - Reserves 12+ months more than required<br> - Total Debt 10% or more under requirement<br> - Long Term Employment (>5 years) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5463667 |
| XXXX | 2081041 | XXXX D B A | Closed | FCRE1316 | 2025-09-19 15:17 | 2025-09-23 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. vvoe - Seller-09/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing .Missing final verbal verification of employment within 10 days of closing with CPA confirmation self employed business is currently open and active. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. vvoe - Seller-09/21/2025<br>| Resolved-Received pre close VVOE. - Due Diligence Vendor-09/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 779 > 720<br>Qualifying DTI below maximum allowed - DTI is 38.75% and max allowed is 45%<br>Months Reserves exceed minimum required - Borrower has 13.96 months of reserves and only needs 6 months to qualify.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $12K residual. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5606489 |
| XXXX | 2081041 | XXXX D B A | Closed | FCRE1194 | 2025-09-19 13:58 | 2025-09-19 15:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 90% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only a 5% overage. - Due Diligence Vendor-09/19/2025 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 85% - Due Diligence Vendor-09/19/2025 |  | Waived-Originator exception granted to allow 90% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only a 5% overage. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 779 > 720<br>Qualifying DTI below maximum allowed - DTI is 38.75% and max allowed is 45%<br>Months Reserves exceed minimum required - Borrower has 13.96 months of reserves and only needs 6 months to qualify.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $12K residual. | -Residual Income $3k or more<br> - Borrower has 13.96 months of reserves and only needs 6 months to qualify. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5605143 |
| XXXX | 2081042 | XXXX C B A | Closed | FVAL2477 | 2025-09-19 10:34 | 2025-09-29 16:22 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received revised Appraisal. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. number of units showing - Seller-09/26/2025 <br>Open-Appraisal incomplete (missing map, layout, pages, etc.) Appraisal projection information section is incomplete. Total number of units is required. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. number of units showing - Seller-09/26/2025<br>| Resolved-Received revised Appraisal. - Due Diligence Vendor-09/29/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 734 and minimum allowed is 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5599937 |
| XXXX | 2081042 | XXXX C B A | Closed | FCRE0082 | 2025-09-19 10:06 | 2025-09-22 17:19 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received final title reflecting B2 and no findings added. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. title policy - Seller-09/19/2025 <br>Open-Vested Owner Signature Requirement Not met. Missing copy of the Title Supplement reflecting co-borrower's name included in vesting. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. title policy - Seller-09/19/2025<br>| Resolved-Received final title reflecting B2 and no findings added. - Due Diligence Vendor-09/22/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 734 and minimum allowed is 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5599126 |
| XXXX | 2081042 | XXXX C B A | Closed | FCRE1437 | 2025-09-19 12:15 | 2025-09-19 12:41 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted to allow excessive NSF's charges exceeding the guide of 3, Non-material waiver applied with comp factors. non-material due to LTV and FICO - Due Diligence Vendor-09/19/2025 <br> Open-Income and Employment Do Not Meet Guidelines. Borrower has excessive NSF on bank statements exceeds guidelines. 7 total NSF exceeds guidelines requirement of 3. <br> Lender Exception in file with comp factors to allow Non Sufficient Funds of 7. - Due Diligence Vendor-09/19/2025 |  | Waived-Originator exception granted to allow excessive NSF's charges exceeding the guide of 3, Non-material waiver applied with comp factors. non-material due to LTV and FICO - Due Diligence Vendor-09/19/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 734 and minimum allowed is 660 | -Loan to Value 10% or more under requirement<br> - Fico 20 points or more above requirement<br> - Reserves 12+ months more than required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | N/A | 5603353 |
| XXXX | 2091033 | XXXX D A | Closed | FCRE5116 | 2025-10-28 16:14 | 2025-10-31 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received final HUD showing property sold, all mortgages paid in full, and final revised 1003 correcting property status. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. showing property sold - Seller-10/31/2025 <br> Counter-Received mortgage statement dated XXXX-Refinance Settlement Statement dated XXXX, Loan amount XXX on XXXX received-missing confirmation of payment of new loan. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-10/29/2025 <br> Open-\*NEW\* Received settlement statement for refi of XXXX loan amt XXXX-missing Note to confirm payment and confirmation considered in qualifying ratios. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. showing property sold - Seller-10/31/2025 <br> Ready for Review-Document Uploaded. XXXX- Seller-10/29/2025 | Resolved-Received final HUD showing property sold, all mortgages paid in full, and final revised 1003 correcting property status. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 718 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 28.48% - Max DTI = 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6043434 |
| XXXX | 2091033 | XXXX D A | Closed | FCRE1198 | 2025-10-24 10:50 | 2025-10-30 15:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received breakdown of assets-included life insurance - reserves are sufficient. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Asset Breakdown attached.<br>Total assets verified = XXXX<br>9 months reserves = XXXX<br> Cash from borrower = XXXX<br> XXXX Total assets required<br> - Seller-10/29/2025 <br> Counter-Received VOD and source of deposits-review updated balance-reserves remain short XXXX for the total 9 months required. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. ASSETS - Seller-10/27/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 9 month(s) Borrower is short reserves - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Asset Breakdown attached.<br>Total assets verified = XXXX<br>9 months reserves = XXXX<br> Cash from borrower = XXXX<br> XXXX Total assets required<br> - Seller-10/29/2025 <br> Ready for Review-Document Uploaded. ASSETS - Seller-10/27/2025 | Resolved-Received breakdown of assets-included life insurance - reserves are sufficient. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 718 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 28.48% - Max DTI = 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6004651 |
| XXXX | 2091033 | XXXX D A | Closed | FCRE9501 | 2025-10-24 10:25 | 2025-10-28 16:25 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received settlement statement supporting large deposit of $403207 to be considered. Assets sufficient. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. ASSETS - Seller-10/27/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. The borrower has insufficient assets for closing costs and reserves. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. ASSETS - Seller-10/27/2025<br>| Resolved-Received settlement statement supporting large deposit of $403207 to be considered. Assets sufficient. - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 718 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 28.48% - Max DTI = 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6004025 |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 1923661 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 6 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 16394 | 07/29/2024 | 6.800% |  |  | No | 10.460% |  | 10.125% |  | XXXX | No | XXXX | XXXX | $3864.00 | $322.00 | $2088.00 | $174.00 | $0.00 | $4007.97 | $14653.30 | N/A | XXXX | XX | $174.00 |  | Monthly | 0.00% | 35.84% | 35.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Other REO Net Rental Income(Loss), SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/17/2024 | 07/17/2024 |  |  |  | 613 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2076462 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 07/21/2025 | 6.790% |  |  | No | 6.946% |  | 6.875% |  | XXXX | No | XXXX | XXXX | $3668.04 | $305.67 | $0.00 | $0.00 | $0.00 | $3834.25 | $38831.75 | N/A |  |  | $0.00 |  |  | 0.00% | 10.48% | 10.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 37 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.9 | XXXX | 3.9 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2076470 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10790 | 07/07/2025 | 6.670% |  |  | No | 7.277% |  | 7.125% |  | XXXX | No | XXXX | XXXX | $4470.00 | $372.50 | $0.00 | $0.00 | $0.00 | $7580.13 | $47699.28 | N/A |  |  | $0.00 |  |  | 0.00% | 19.77% | 19.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | Yes | 107 | 29 | FNMA 1005 |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  | N/A |  |  |  | XXXX |  |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 144 | XXXX | 144 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2076469 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5840 | 07/14/2025 | 6.750% |  |  | No | 6.965% |  | 6.875% |  | XXXX | No | XXXX | XXXX | $3924.84 | $327.07 | $0.00 | $0.00 | $0.00 | $7258.33 | $20569.19 | N/A |  |  | $0.00 |  |  | 0.00% | 35.63% | 35.63% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 103.50% | 0.00% | 25.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 12 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower \|\| Co Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/08/2025 | 07/08/2025 | 07/08/2025 |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.8 | XXXX | 8.8 | No | 42.93 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2076473 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 08/04/2025 | 6.750% |  |  | No | 7.013% |  | 6.990% |  | XXXX | No | XXXX | XXXX | $2993.04 | $249.42 | $0.00 | $0.00 | $0.00 | $10217.94 | $13747.31 | N/A |  |  | $0.00 |  |  | 0.00% | 47.85% | 47.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Primary Residence Rent Income, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/28/2025 | 05/28/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.9 | XXXX | 7.9 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2076471 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 07/28/2025 | 6.750% |  |  | No | 7.013% |  | 6.990% |  | XXXX | No | XXXX | XXXX | $2150.28 | $179.19 | $0.00 | $0.00 | $0.00 | $9154.98 | $19048.68 | N/A |  |  | $0.00 |  |  | 0.00% | 32.46% | 32.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/21/2025 | 07/21/2025 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.8 | XXXX | 22.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2076461 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 08/04/2025 | 6.750% |  |  | No | 7.071% |  | 6.990% |  | XXXX | No | XXXX | XXXX | $1563.96 | $130.33 | $5004.00 | $417.00 | $0.00 | $3824.41 | $133286.67 | Yes | XXXX | XX | $417.00 |  | Monthly | 0.00% | 15.61% | 15.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/17/2025 | 07/17/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 99.4 | No | 52.63 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2075213 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3490 | 07/28/2025 | 6.750% |  |  | No | 7.772% |  | 7.625% |  | XXXX | No | XXXX | XXXX | $3770.04 | $314.17 | $0.00 | $0.00 | $0.00 | $12195.70 | $26798.59 | N/A |  |  | $0.00 |  |  | 0.00% | 35.57% | 35.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 204 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/27/2025 | 05/27/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 41.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2081041 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 08/11/2025 | 6.630% |  |  | No | 7.538% |  | 7.500% |  | XXXX | No | XXXX | XXXX | $2039.04 | $169.92 | $0.00 | $0.00 | $0.00 | $8032.02 | $12854.87 | N/A |  |  | $0.00 |  |  | 0.00% | 38.75% | 38.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/07/2025 | 07/07/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14 | XXXX | 14 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2081042 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 08/18/2025 | 6.610% |  |  | No | 6.954% |  | 6.875% |  | XXXX | No | XXXX | XXXX | $1458.24 | $121.52 | $10393.68 | $866.14 | $0.00 | $4130.00 | $28655.13 | Yes | XXXX | XX | $866.14 |  | Monthly | 0.00% | 29.89% | 29.89% | No | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 45.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 128 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower \|\| Co Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/04/2025 | 08/04/2025 | 08/04/2025 |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 124.9 | XXXX | 124.9 | No | 70 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2091033 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 1590 | 09/22/2025 | 6.220% |  |  | No | 7.094% |  | 6.990% |  | XXXX | No | XXXX | XXXX | $9313.20 | $776.10 | $4415.04 | $367.92 | $0.00 | $22340.28 | $100443.71 | N/A | XXXX | XX | $367.92 |  | Annually | 0.00% | 28.48% | 28.48% | No | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 460 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss) \|\| Co Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/18/2025 | 07/18/2025 | 09/25/2025 |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | X |  |  |  | X |  |  | X |  |  | X |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.4 | XXXX | 22.4 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04**

![](ex9904001.jpg)

![](ex9904002.jpg)

**November 21, 2025**<br> **Due Diligence Narrative Report**<br>

![](ex9904001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 1 November 21, 2025 <br>

![](ex9904001.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9904003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex9904003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of the originators, Clayton conducted an independent third-party pre-securitization due diligence review of 7 residential loans. Ellington Management Group, LLC subsequently purchased these loans via reliance letter and selected these loans for the EFMT 2025-NQM6 transaction.

The loan referenced in this narrative report was reviewed on a flow loan basis between September 2024 and July 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 2 November 21, 2025 <br>

![](ex9904001.jpg)

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

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

---

| | |
|:---|:---|
| Review scope  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed  |
| &nbsp;&nbsp; Credit Review | &nbsp;&nbsp; 7 |
| &nbsp;&nbsp; Property Valuation Review | &nbsp;&nbsp; 7 |
| &nbsp;&nbsp; Regulatory Compliance Review | &nbsp;&nbsp; 6 |
| &nbsp;&nbsp; Data Integrity Check | &nbsp;&nbsp; 7 |

---

Loan Grading

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

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

![](ex9904004.jpg)

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 3 November 21, 2025 <br>

![](ex9904001.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 7 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (7 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (7 loans)

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

● CU Score

● Desk Review

For further detail please refer to the EFMT 2025-NQM6 Valuations Summary Report

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 4 November 21, 2025 <br>

![](ex9904001.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 6 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions; and

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 5 November 21, 2025 <br>

![](ex9904001.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● 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

● Virginia Lender and Broker Act after 6/1/2008

● 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)

● Sufficiency of coverage

● Escrow of insurance payments

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 6 November 21, 2025 <br>

![](ex9904001.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 7 loans reviewed, by completing the following steps:

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

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

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 data disclosure requirements. Both of these file formats are 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.

**data Compare Results** 

Clayton provided Ellington Management Group, LLC, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 7 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;4 | &nbsp;&nbsp;42.86% |

---

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 7 November 21, 2025 <br>

![](ex9904001.jpg)

**Clayton Due Diligence Results** 

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 2 |  | 1 | 1 | **4** |
| **Final** | **B** |  | 1 | 1 | 1 | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **1** | **2** | **2** | **7** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 3 |  | 1 | 1 | **5** |
| **Final** | **B** |  | 1 |  | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **1** | **1** | **2** | **7** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 7 |  |  |  | **7** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **7** | **0** | **0** | **0** | **7** |

---

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 8 November 21, 2025 <br>

![](ex9904001.jpg)

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 5 |  |  |  | **5** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **5** | **0** | **1** | **0** | **6** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (1 loan in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 9 November 21, 2025 <br>

![](ex9904001.jpg)

**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

– Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 10 November 21, 2025 <br>

![](ex9904001.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;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

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

○ Asset review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 11 November 21, 2025 <br>

![](ex9904001.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;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

**Appendix B: Origination Appraisal Assessment** 

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

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

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

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

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

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

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

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 12 November 21, 2025 <br>

![](ex9904001.jpg)

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

○ USPAP

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 13 November 21, 2025 <br>

![](ex9904001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 14 November 21, 2025 <br>

![](ex9904001.jpg)

**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 15 November 21, 2025 <br>

![](ex9904001.jpg)

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 16 November 21, 2025 <br>

![](ex9904001.jpg)

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 17 November 21, 2025 <br>

![](ex9904001.jpg)

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

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

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

---

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

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 18 November 21, 2025 <br>

![](ex9904001.jpg)

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

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

---

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

---

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

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

---

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

---

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

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 19 November 21, 2025 <br>

![](ex9904001.jpg)

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

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

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

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

EFMT 2025-NQM6 Due Diligence Narrative Report Page \| 20 November 21, 2025 <br>

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **EFMT 2025-NQM6** |
| **Start - End Dates:** | **9/27/2024 - 7/30/2025** |
| **Deal Loan Count:** | **7** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *7* |
| ***Loans with Conditions:*** | *5* |
| **1 - Total Active Conditions** | **1 - Total Active Conditions** |
| **1 - Non-Material Conditions** | **1 - Non-Material Conditions** |
|  | 1 - Credit Review Scope |
|  | 1 - Category: Credit/Mtg History |
| **5 - Total Satisfied Conditions** | **5 - Total Satisfied Conditions** |
|  | 4 - Credit Review Scope |
|  | 1 - Category: Insurance |
|  | 2 - Category: Legal Documents |
|  | 1 - Category: Terms/Guidelines |
|  | 1 - Compliance Review Scope |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |

---

&nbsp;&nbsp;&nbsp;&nbsp;©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 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 2**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| **Loans in Report:** | 7 |
| **Loans with Conditions:** | 5 |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 2077231 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 204.89 months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 755 |
| 2077233 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D B | CRDLGL100 | Legal document incorrect or incomplete | No | According to the underwriting guidelines, a 1st Lien Note and most recent Mortgage Statement must be provided (must be dated within 30 days of the note date). In this case, the mortgage statement provided was dated XXX which is greater than 30 days from the note date. | (No Data) | Post close mtg statement provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 11.92% DTI is below program max allowable of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years and 1 month at current job. |
| 1903386 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $5,534.55, or 4.63 months. Reserves not required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE borrower has been on job since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.43% is below guideline maximum of 55%. |
| 2065569 | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $195 due to Appraisal Reinspection Fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 7.17.25-Client provided COC, Satisfied. | 7.17.25-Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43 Months Reserves<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14 Years with current Employer<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 6 months at current Residence |
| 2065570 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | CPA to be Verified | 7.15.2025-Client's response: July 15th 2025, 9:14:40 amCopy of website for XXX provided, please clear finding.7.15.2025-Clayton's response: Received the CPA verification, exception is satisfied. | 7.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 86+ Months reporting<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 30+ Months reporting positive on VOM and with cancelled checks<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 36 Months at current residence |
| 2065583 | XXXXXX | IL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months rental for borrower primary residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $62,554.09, or 34.30 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.31% is below guideline maximum of 70% for a DSCR cash out refinance with a 630 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has been 0X30 with mtg history from XXX. |
| 2065621 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Current & Previous Dec Page is in file | 7.14.2 5Please find updated dec page.7.14.25 exception satisfied | 7.14.25 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 58 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 88+ Months reporting |
| 2065621 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 7.14.25 FINAL ss For review7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 58 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 88+ Months reporting |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 3**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| **Loans in Report:** | 7 |
| **Loans with Conditions:** | 5 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 2077231 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2077233 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 1903386 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2065569 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 2065570 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 2065583 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 2065621 | XXXXXX | XXXXXX D A | A | A D | A | A | No |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 245 | 249 | 253 | 257 | 258 | 259 | 260 | 261 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 2077231 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 3212.47 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR-Attached | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXX | (No Data) | Commitment Title | Fee Simple | 63.81 | 164.65 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 99 | 13100.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 | 755 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 755 | XXXX | XXXX | 10.58 | 48.3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 204.89 | 204.89 | Qualifying Rate, Fully Amortized | 7.500 | 3212.48 | 10.58 | 48.3 | 24 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 24 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 2077233 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 9.6250 | 6374.92 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 47.68 | 68.51 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | XXXX | 5125.05 | Commitment Title | Fee Simple | 0.00 | 0.00 | (No Data) | (No Data) | (No Data) | 404.00 | Present | XXXX | 4 | No | Present | XXXX | 99 | 61100.00 | 11 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 | 721 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 721 | XXXX | XXXX | 7.61 | 12.21 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 60.12 | 60.12 | Fully Amortized | 9.625 | 6374.93 | 7.61 | 12.21 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 1903386 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.5000 | 891.94 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX | (No Data) | XXXX | 74.36 | 74.36 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXX | (No Data) | Commitment Title | Fee Simple | 208.41 | 96.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 4 | No | Present | XXXX | 77 | 4500.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 649 | 686 | 677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 677 | XXXX | XXXX | 32.68 | 44.43 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.63 | 4.63 | Fully Amortized | 8.500 | 891.94 | 32.68 | 44.43 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) |
| 2065569 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 9.3750 | 2270.68 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Rural | Owner | Subject to Completion(cert in file) | XXXX |  | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXX | (No Data) | Commitment Title | Fee Simple | 52.62 | 301.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 7 | 500.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 631 | 616 | 610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 616 | XXXX | XXXX | 28.4 | 43.79 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 43.27 | 43.27 | Fully Amortized | 9.375 | 2270.68 | 28.4 | 43.79 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 2065570 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.7500 | 4602.20 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 64.29 | 64.29 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXX | (No Data) | Commitment Title | Fee Simple | 588.49 | 400.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 86 | 3100.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 611 | 636 | 592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 645 | 634 | 630 | XXXX | (No Data) | (No Data) | 611 | XXXX | XXXX | 33.98 | 53.59 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.05 | 0.05 | Fully Amortized | 8.750 | 4602.20 | 33.98 | 53.59 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065583 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.8750 | 1392.38 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Urban | Tenant | As-Is | XXXX |  | XXXX | 67.31 | 67.31 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXX | (No Data) | Commitment Title | Fee Simple | 336.55 | 230.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 78 | 2000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 636 | 586 | 630 | XXXX | (No Data) | (No Data) | 630 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 31.93 | 31.93 | Fully Amortized | 8.875 | 1392.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065621 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.8750 | 1401.53 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXX | (No Data) | Commitment Title | Fee Simple | 89.58 | 168.60 | (No Data) | (No Data) | 39.43 | 83.00 | Present | XXXX | 2 | No | Present | XXXX | 88 | 25000.00 | 14 | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 622 | 618 | 622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 622 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 58.96 | 58.96 | Fully Amortized | 8.875 | 1401.53 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 5**

---

| | |
|:---|:---|
| **Valuations Summary** |  |
| Loans in Report: | 7.0 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 2077231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2077233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 1903386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 6**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| Loans in Report: | 7 |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **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** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 2077231 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5401 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2077233 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 19577.5 | XXXX | 9.9454 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 1903386 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 4159 | XXXX | 8.9841 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 2034.28 |
| 2065569 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 10225.25 | XXXX | 9.8914 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065570 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 25875.25 | XXXX | 9.2715 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065583 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065621 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

---

&nbsp;&nbsp;&nbsp;&nbsp;©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 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 7**

---

| | |
|:---|:---|
| **ATR QM Upload** |  |
| Loans in Report: | 7 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 |
| **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** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **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** |
| 2077231 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 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 | 7.5401 | No | No | 5.261 | (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 | 48.3 | 0 | 48.3 | 48.3 | 48.3 | (No Data) | (No Data) | (No Data) | 14926.87 | 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 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2077233 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | 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 | 2 | 9.9454 | Yes | Yes | 2.701 | 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 | 12.21 | 12.21 | 12.21 | 12.21 | 12.21 | 12.21 | No | No | (No Data) | 137366.46 | 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 | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 1903386 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | 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 | Yes | 1 | 8.9841 | No | No | 3.759 | 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 | 44.43 | 44.43 | 44.43 | 44.43 | 44.43 | 44.43 | No | Yes | Yes | 2034.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 28 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065569 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | 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 | Yes | 1 | 9.8914 | No | No | 3.915 | Not Applicable | No | No | 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 | 43.79 | 43.79 | 43.79 | 43.79 | 43.79 | 43.79 | No | No | (No Data) | 5193.66 | 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 | 12 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065570 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.2715 | No | No | 4.635 | Not Applicable | No | No | 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 | 53.59 | 53.59 | 53.59 | 53.59 | 53.59 | 53.59 | No | No | (No Data) | 7635.14 | 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 | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065583 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (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 | (No Data) | Yes | Yes | 1 | 8.8750 | 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) | -1958.93 | 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 | No | Yes | 2300.00 | No | (No Data) | 1.1741 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065621 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | 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) | -1782.14 | 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 | 1860.00 | No | (No Data) | 1.0436 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |

---

&nbsp;&nbsp;&nbsp;&nbsp;©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 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 8**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| Loans in Report | 7 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 2077231 | XXXXXX | Debt to Income Ratio (Back) | 42.0500 | 48.3016 |
| 2077231 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 2077231 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 2077231 | XXXXXX | Original P&I | 0.0000 | 3212.47 |
| 2077233 | XXXXXX | Debt to Income Ratio (Back) | 23.1200 | 12.2088 |
| 2077233 | XXXXXX | Original P&I | 0.0000 | 6374.92 |
| 2077233 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 1903386 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 1903386 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2065570 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2065621 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2065621 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

---

©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 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC. The review included a total of 47 residential mortgage loans in connection with the securitization identified as EFMT 2025-NQM6 (the "Securitization"). The Review was conducted from February 2023 through October 2025 on mortgage loans originated between March 2022 and October 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (47 loans in total):

Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product along with a Reconciliation of the values was completed. There was one (1) occurrence of this, of which the additional product supported the value.

Eleven (11) loans had an AVM, twenty (20) loans had a Desktop Review, and zero (0) loans had a Field Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the forty-seven (47) mortgage loans reviewed, thirty-five (35) unique mortgage loans (74.47% by loan count) had a total of ninety-eight (98) discrepancies across seventeen (17) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;23 | &nbsp;&nbsp;23.47% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;22 | &nbsp;&nbsp;22.45% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;12 | &nbsp;&nbsp;12.24% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.10% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.08% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.08% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.06% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.06% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Borrower_First_Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Loan_Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Prepymt - May/Will Not Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**98** | &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 | 45 | $24756035.00 | 95.74% |
| Event Grade B | 2 | $529312.00 | 4.26% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 47 | $25285347.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 45 | 95.74% |
| Event Grade B | 2 | 4.26% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 47 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 22 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 22 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 22 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 25 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 25 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 47 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 47 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &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;Other Property Insurance Policy Effective Date is after the Disbursement date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DEED MISSING OR DEFECTIVE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;NOTE MISSING OR DEFECTIVE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Maximum LTV exceeds guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit score does not meet minimum guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;EXCESSIVE LTV, ARLTV, OR LTC RATIO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;FLOOD INSURANCE MISSING OR DEFECTIVE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;INSUFFICIENT ASSETS TO CLOSE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***61*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Rental income documentation does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;CREDIT EVENT – REQUIREMENT NOT MET | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***23*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;APPRAISAL REVIEW - MISSING | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***26*** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **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)** |
| 2091069 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 9635175995 | Property | Hazard Insurance Missing or Defective | Hazard Insurance Policy is missing mortgagee clause after lender's name. Please provide updated Hazard Policy with ISAOA/ ATIMA verbiage. | 07/23/2025 HOI uploaded | 07/23/2025 | 20250723: Hazard Policy number received | 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 |
| 2091075 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/25/2025 | Resolved | 92300192918-01 | Credit | No Credit 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 |
| 2091063 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | 92300193716-01 | Credit | No Credit 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 |
| 2091058 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | 92400192282-01 | Credit | No Credit 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 |
| 2091073 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | 92300193003-01 | Credit | No Credit 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 |
| 2091072 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | 92010191611-01 | Credit | No Credit 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 |
| 2091067 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | 92010192265-01 | Credit | No Credit 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 |
| 2091070 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | 92010192334-01 | Credit | No Credit 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 |
| 2091077 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/02/2025 | Resolved | 90100192087-01 | Credit | No Credit 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 |
| 2091074 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/03/2025 | Resolved | 92400190605-01 | Credit | No Credit 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 |
| 2091062 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/03/2025 | Resolved | 92300193700-01 | Credit | No Credit 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 |
| 2091076 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/06/2025 | Resolved | 92010190852-01 | Credit | No Credit 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 |
| 2091066 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/08/2025 | Resolved | 92300193107-01 | Credit | No Credit 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 |
| 2091059 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/09/2025 | Resolved | 92010192252-01 | Credit | No Credit 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 |
| 2091064 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/09/2025 | Resolved | 92010192831-01 | Credit | No Credit 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 |
| 2091065 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/09/2025 | Resolved | 92010193677-01 | Credit | No Credit 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 |
| 2091061 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/10/2025 | Resolved | 18162033022 | Credit | Title Insurance Missing or Defective | Preliminary Title is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage | 20251015: Corrected title uploaded | 10/15/2025 | 20251015: Received Title | 10/15/2025 | 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 |
| 2091068 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/15/2025 | Resolved | 18193414833 | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required. | 20251021: Uploaded title | 10/21/2025 | 20251021: Received title | 10/21/2025 | 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 |
| 2091060 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/15/2025 | Resolved | 18194030830 | Credit | Title Insurance Missing or Defective | Title Commitment is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage | 20251021: Title uploaded | 10/21/2025 | 20251021: Received title | 10/21/2025 | 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 |
| 2091071 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/22/2025 | Resolved | 92010191508-01 | Credit | No Credit 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 |
| 2091048 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The calculator shows total assets of $XXX, the file verifies a total asset amount of $XXX which is almost XXX% of the total debt of $XXX, the total debt coverage must be no more than 60% Max Debt to asset ratio. Please provide evidence of the additional deposits not in the file. | Document Uploaded. | 10/20/2025 | Income and Employment Meet Guidelines; Total assets of $XXX was verified as per lender guidelines, XXX (purchase price) + XXX(verified assets). DTA ratio of XXX% is within lender guidelines. | 10/21/2025 | 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 |
| 2091048 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | 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 |
| 2091056 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Third Party Fraud Report. | Document Uploaded. | 10/02/2025 | Third Party Fraud Report is provided; Third party fraud report provided. | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760 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 |
| 2091056 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760 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 |
| 2091044 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for credit inquiries within past 90 days of Note date, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 10/03/2025 | Lender validates no new credit was opened from credit inquiry. ; Credit report shows XXX inquiry, missing explanation for XXX inquiry on XX/XX/XXXX. | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091044 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | 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 XXX is greater than Guideline minimum FICO of 700 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 |
| 2091047 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file is missing a gap credit report dated within 30 days of the note date. | Document Uploaded. | 10/02/2025 | Borrower 1 Gap Credit Report is not missing.; An undisclosed debt monitoring report dated within 30 days of closing was provided. | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091047 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing The file is missing a gap credit report dated within 30 days of the note date. | Document Uploaded. | 10/02/2025 | Borrower 2 Gap Credit Report is not missing.; An undisclosed debt monitoring report dated within 30 days of closing was provided. | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091047 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | XXX Borrower is missing Identification Document. Per the final 1003 Borrower 1 is a XXX and the file does not contain residency documentation verifying the borrower's status. | Document Uploaded. | 10/02/2025 | Borrower Identification Document provided.; XXX and XXX was provided. | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091047 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered XXX account with a balance of $XXX is not verified in the file. Without verification of those funds the DTA is XXX% with a max ratio allowed of 60%. | Document Uploaded. | 10/03/2025 | ATR: Reasonable Income or Assets Was Considered; XXX account with a balance of $XXX was validated with 3 months bank statements. | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091047 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | 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 XXX is greater than Guideline minimum FICO of 700 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 |
| 2091046 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | 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 XXX is greater than Guideline minimum FICO of 700 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 |
| 2091046 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091050 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 10/03/2025 | Borrower 1 Gap Credit Report is not missing.; An undisclosed debt monitoring report dated within 30 days of closing was provided. | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091050 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | uploaded | 10/03/2025 | Borrower 2 Gap Credit Report is not missing.; An undisclosed debt monitoring report dated within 30 days of closing was provided. | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091050 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing purchase contract addendum showing additional earnest money deposit of $XXX. | Document Uploaded. | 10/07/2025 | Purchase Contract Doc is complete.; According to the lender the EMD is $XXX, the additional $XXX wired to escrow is not EMD. | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D A B | 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 |
| 2091050 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 10/03/2025 | Third Party Fraud Report is provided; Fraud Report received. | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091050 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | 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 XXX is greater than Guideline minimum FICO of 700 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 |
| 2091054 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | 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 XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760<br> Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091054 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760<br> Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091036 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX is missing the HOI verification documents to support amount on expenses for DTI calculation. | Document Uploaded. | 10/09/2025 | Evidence of hazard insurance for XXX was provided. | 10/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% 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 |
| 2091036 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | 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 XXX% is less than Guideline DTI of 50% 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 |
| 2091039 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. 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 |
| 2091039 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. 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 |
| 2091037 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit 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 |
| 2091037 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | 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 |
| 2091042 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Condo-Warrantable: HOA Questionnaire, Budget to demonstrate a 10% reserve requirement, current fiscal year and Balance sheet dated within the past 90 days, is missing | Document Uploaded. | 10/09/2025 | HOA Questionnaire Provided; HOA Questionnaire was received. HOA Questionnaire #13 verifies at least 10% of the annual budget provide for funding of replacement of reserves. | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091042 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091045 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | 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 XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% 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 |
| 2091045 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% 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 |
| 2091040 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The policy was effective at 12:01 a.m. or the effective date of the application whichever is greater. | Document Uploaded. | 10/10/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; A Post close CD indicates the disbursement date as XX/XX/XXXX. | 10/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50% 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 |
| 2091040 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE1178 | Credit | Other Property Insurance Policy Effective Date is after the Disbursement date | Other Property Insurance Policy Effective Date of XX/XX/XXXX is after the Disbursement date of XX/XX/XXXX The policy was effective at 12:01 a.m. or the effective date of the application whichever is greater. | Document Uploaded. | 10/10/2025 | Other Property Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement date of XX/XX/XXXX Or Other Property Insurance Policy Effective Date Is Not Provided; A Post close CD indicates the disbursement date as XX/XX/XXXX. | 10/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50% 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 |
| 2091040 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | 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 XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50% 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 |
| 2091041 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091041 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | 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 XXX is greater than Guideline minimum FICO of 700 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 |
| 2091034 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | 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. VOR is from a private party. Missing cancelled checks. | Document Uploaded. Rebuttal - Cancelled checks are not required when it is not required by DU. See the attached DU and see the housing history on page 47 of guides, 4th bullet, that outlines this.; Document Uploaded. | 10/15/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; AUS does not require Rent verification; VOR is from a private party. Missing 6 months cancelled checks as required per lender. | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% 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 |
| 2091034 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% 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 |
| 2091055 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | 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 file contains evidence of 12 months rent receipts, but does not contain a Verification of Rent or a Lease agreement for the rental property, DU does not address waiving the VOR. | Document Uploaded. | 10/13/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Received 12 month payment history from XXX a nationwide company institution. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% 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 |
| 2091055 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% 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 |
| 2091049 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 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 |
| 2091049 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | 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 XXX is greater than Guideline minimum FICO of 700 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 |
| 2091038 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Missing hazard insurance policy with an effective date prior to the disbursement date of XX/XX/XXXX. Hazard policy in file has an effective date of XX/XX/XXXX, whereas disbursement date is XX/XX/XXXX. | Document Uploaded. | 10/16/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; HOI Provided | 10/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760 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 |
| 2091038 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide verification that taxes and insurance are both escrowed for property on XXX. Mortgage statement in file lists escrowed but does not specify for both and no other evidence is in file. | Document Uploaded. Attached is the tax cert which calculates to $XXX/mo.. The escrowed amount is $XXX/mo and there are no HOA Dues. Safe to say the insurance is also escrowed. | 10/15/2025 | Evidence of taxes provided at $XXX per month. Lender validates the escrowed amount of $XXX/mo includes taxes and insurance. | 10/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760 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 |
| 2091038 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | 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 XXX% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760 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 |
| 2091057 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091057 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091035 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660<br> Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091035 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | 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 XXX is greater than Guideline minimum FICO of 660<br> Borrower has stable job time - Borrower has XXX years on job A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091043 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 65%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 65% 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 |
| 2091043 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | 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 XXX% is less than Guideline CLTV of 65%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 65% 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 |
| 2091053 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% 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 |
| 2091053 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/15/2025 | 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 XXX% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% 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 |
| 2091051 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | 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 XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% 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 |
| 2091051 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% 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 |
| 2091052 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% 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 |
| 2091052 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | 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 XXX is greater than Guideline minimum FICO of 640<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% 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 |
| 1677552 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Open | 02/28/2023 | Cleared | 23018724-1 | Credit | Maximum LTV exceeds guidelines | LTV of 77.25% is greater than LTV limit of 75.00% per XXX. | Seller indicates qualifying LTV of 75% meets guidelines. Financed discount points caused the overage pushing LTV to 77.25%. Settlement statement matches fees and points @ max 3%. Exception resolved. | 03/09/2023 |  |  | Liquid Reserves of $XXX are greater than the Guideline Minimum of $XXX. C 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 |
| 1677552 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Open | 03/01/2023 | Cleared | 23018724-2 | Credit | Credit score does not meet minimum guidelines | Loan program XXX - Rate/Term requires a minimum credit score XXX; actual credit score XXX. | Rate/Term loan program maximum LTV up to 75% with >700; actual origination LTV 75% prior to point stacking with FICO of XXX. Guideline met. Exception resolved. | 03/09/2023 |  |  | Liquid Reserves of $XXX are greater than the Guideline Minimum of $XXX. C 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 |
| 1677552 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Open | 03/02/2023 | Acknowledged | 23018724-3 | Credit | Rental income documentation does not meet guidelines | Missing FannieMae Form 1007 to confirm and/or support rental income. A lender exception was given to use a "XXX" in lieu of a 1007 rental schedule. Compensating factors cited by lender were "1007 lower than market rents per XXX; Rate and Term refinance and borrower has done substantial remodel purchase in XX/XX/XXXX which would also support higher rents". | Received copy of XXX rental report from seller; guidelines do not permit this report to be used in lieu of 1007. Exception remains.<br> Lender exception provided; pending client review and approval. | 03/09/2023 | Client acknowledged exception | 03/28/2023 | Liquid Reserves of $XXX are greater than the Guideline Minimum of $XXX. C 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 |
| 2093623 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | BPP3500683-1 | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | $XXX TITLE INSURANCE COVERAGE < $XXX MINIMUM REQUIRED. PROVIDE ADDITIONAL COVERAGE. | 20220318/XXX: UPLOADED | 03/18/2022 | 20220318/XXX: RECEIVED | 03/18/2022 | D A C | 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 |
| 2093623 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | BPP3500683-2 | CREDIT | NOTE MISSING OR DEFECTIVE | PRINCIPAL AND INTEREST PAYMENT ON NOTE OF $XXX IS INCORRECT. CORRECT PAYMENT IS $XXX | 20220405/XXX: UPLOADED | 04/05/2022 | 20220405/XXX: RECEIVED | 04/05/2022 | D A C | 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 |
| 2093623 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | BPP3500683-3 | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING THIRD PARTY APPRAISAL REVIEW | 20220318/XXX: UPLOADED | 03/18/2022 | 20220318/XXX: RECEIVED | 03/18/2022 | D A C | 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 |
| 2093626 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | PP103789-1 | CREDIT | FLOOD INSURANCE MISSING OR DEFECTIVE | MISSING EVIDENCE OF FLOOD INSURANCE | 20220322/XXX: UPLOADED | 03/22/2022 | 20220322/XXX: RECEIVED | 03/22/2022 | D 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 |
| 2093626 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | PP103789-2 | CREDIT | HAZARD INSURANCE MISSING OR DEFECTIVE | $XXX HAZARD INSURANCE COVERAGE < $XXX MINIMUM REQUIRED. PROVIDE ADDITIONAL COVERAGE | 20220325/XXX: UPLOADED | 03/25/2022 | 20220325/XXX: RECEIVE WD | 03/25/2022 | 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 |
| 2093626 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | PP103789-3 | CREDIT | HAZARD INSURANCE MISSING OR DEFECTIVE | MISSING EVIDENCE THAT HAZARD INSURANCE PREMIUM HAS BEEN PAID. | 20220406/XXX: UPLOADED | 04/06/2022 | 20220406/XXX: SHOWED PAID ON HUD | 04/06/2022 | 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 |
| 2093626 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | PP103789-4 | CREDIT | EXCESSIVE LTV, ARLTV, OR LTC RATIO | 68.33% LTV > 65% MAX ALLOWED DUE TO 15% DEDUCTION DUE TO 0.86 DSCR. XXX APPROVAL REQUIRED | 20220405/XXX: POST CLOSE DSCR IS .89 AND LTV <65%, HOWEVER SHORT TERM RENTALS ARE NOT PERMITEED BELOW 1.00 DSCR | 04/05/2022 | 20220407/XXX: RECEIVED; OPERATING EXPENSES TOTAL $XXX | 04/07/2022 | 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 |
| 2093626 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | PP103789-5 | CREDIT | INSUFFICIENT ASSETS TO CLOSE | $XXX LIQUIDITY < $XXX MINIMUM REQUIRED. PROVIDE ADDITIONAL ASSETS. | 20220406/XXX: UPLOADED | 04/06/2022 | 20220406/XXX: RECEIVED | 04/06/2022 | 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 |
| 2093626 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | RESOLVED | PP103789-6 | CREDIT | DEED MISSING OR DEFECTIVE | MISSING EXECUTED WARRANTY DEED | 20220406/XXX: UPLOADED | 04/06/2022 | 20220406/XXX: RECEIVED | 04/06/2022 | D 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 |
| 2093626 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 10/21/2025 | ACKNOLWEDGED | PP103789-7 | CREDIT | CREDIT EVENT – REQUIREMENT NOT MET | TRANSACTION HISTORY PROVIDED DOES NOT INDICATE THE TRANSACTION HISTORY IS FOR THE SUBJECT PROPERTY. | 20220407/XXX: UPLOADED | 04/07/2022 | 20220407/XXX: XXX APPROVES | 04/07/2022 | 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 |
| 2091056 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2091044 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | 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 XXX is greater than Guideline minimum FICO of 700 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2091047 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | 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 XXX is greater than Guideline minimum FICO of 700 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2091046 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | 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 XXX is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091050 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | 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 XXX is greater than Guideline minimum FICO of 700 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2091054 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 10/07/2025 | Evidence of eConsent is provided. | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2091036 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | 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 XXX% 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 |
| 2091039 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091037 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | 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 |
| 2091042 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | 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 XXX is greater than Guideline minimum FICO of 700 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2091045 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | 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 XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091040 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 10/10/2025 | Required Affiliated Business Disclosure Documentation Provided | 10/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2091041 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | 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 XXX is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091034 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The borrower waived the 3 day timing requirements, but there is no confirmation the appraisal was received at consummation. Provide evidence when the appraisal was delivered to verify timing requirements were met. | Document Uploaded. | 10/13/2025 | Evidence of appraisal delivery provided. | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2091055 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% 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 |
| 2091049 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | 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 XXX is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091038 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Please provide a copy of the initial Closing Disclosure issued and acknowledged by the borrower at least 3 days prior to loan consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction 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. | Document Uploaded. | 10/20/2025 | Initial Cd provided; exception resolved; Initial Cd provided; exception resolved | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 760 D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2091057 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 10/15/2025 | Evidence of eConsent is provided. | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2091035 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consent to esigned documents prior to signing initial disclosures that were issued on XX/XX/XXXX. | Document Uploaded. | 10/15/2025 | Evidence of eConsent is provided. | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2091043 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 65%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091053 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | 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 XXX% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091051 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | 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 XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2091052 |  | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2025 | 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 XXX is greater than Guideline minimum FICO of 640<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 2**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller 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** |
| 2091069 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2091075 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091063 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091058 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091073 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091072 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091067 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091070 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091077 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091074 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091062 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091076 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091066 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091059 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091064 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091065 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091061 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2091068 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2091060 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2091071 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2091048 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2091056 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2091044 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2091047 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2091046 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091050 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2091054 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 2091036 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2091039 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091037 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091042 |  |  | $XXXXXX A | A | A | A | A | A D | A | A | A | A | A |
| 2091045 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091040 |  |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 2091041 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091034 |  |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 2091055 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 2091049 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091038 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2091057 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 2091035 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 2091043 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091053 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091051 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2091052 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 23018724 |  |  | $XXXXXX C | A | A | A | A | A B | A | A | A | A | A B |
| 2093623 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2093626 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2091069 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 65.00% | 65.00% | XXX | $0.00 | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2091075 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 | XXX | 20.98% | 20.98% | XXX | $XXXX | -4.90% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -4.90% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2091063 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 70.00% | 70.00% | XXX | $0.00 | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2091058 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 70.00% | 70.00% | XXX | $0.00 | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 2091073 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -0.89% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2091072 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2091067 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 0.36% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2091070 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 3.08% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2091077 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2091074 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2091062 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 68.52% | 68.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 2091076 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2091066 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2091059 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2091064 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 69.93% | 69.93% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 4.86% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2091065 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2091061 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 28.57% | 28.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2091068 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 52.94% | 52.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2091060 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2091071 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2091048 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091056 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% | XXX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091044 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091047 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091046 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091050 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091054 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | $XXXX | -2.25% | AVM |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -2.25% | 90% | 10% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2091036 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2091039 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -27.09% | 84% | 16% | XXX | XXX | XX/XX/XXXX | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2091037 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2091042 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091045 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 32.94% | 32.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2091040 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 55.56% | 55.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091041 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091034 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% | XXX | $XXXX | -5.13% | AVM |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -5.13% | 96% | 4% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2091055 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2091049 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091038 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091057 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | $XXXX | 2.58% | AVM |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 2.58% | 94% | 6% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 2091035 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.83% | 73.83% | XXX | $XXXX | -50.61% | AVM |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -50.61% | 86% | 14% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2091043 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 32.57% | 32.57% | XXX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2091053 |  |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2091051 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | $XXXX | -8.68% | AVM |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -8.68% | 87% | 13% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2091052 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1004 URAR | XXX | 37.50% | 37.50% | XXX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 5.46% | 88% | 12% | XXX | XXX | XX/XX/XXXX | XXX | $0.00 | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 1677552 |  |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.25% | 77.25% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 3.29% | 99% | 1% |  |  | XX/XX/XXXX | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 2093623 |  |  | XX/XX/XXXX | $XXXXXX | XXX | N/A | XXX | XX/XX/XXXX | 1004 | XXX | 62.86% | 62.86% | XXX | $0.00 | 0.00% | DESK REVIEW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | N/A | N/A |
| 2093626 |  |  | XX/XX/XXXX | $XXXXXX | XXX | N/A | XXX | XX/XX/XXXX | 1004 | XXX | 64.84% | 64.84% | XXX | $0.00 | 0.00% | DESK REVIEW |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | N/A | N/A |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 2091069 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 2 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.13 |  | XXX | XXX | No | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091075 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 6 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.63 |  | XXX |  | No | No |  | 3 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091063 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 3 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.01 |  | XXX |  | No | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091058 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 3 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 0.78 |  | XXX | XXX | No | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091073 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.90 |  | XXX | XXX | No | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091072 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 5 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.18 |  | XXX |  | No | No |  | 3 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091067 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.09 |  | XXX |  | No | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091070 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 3 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.00 |  | XXX |  | No | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091077 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 5 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.17 |  | XXX | XXX | No | No | XXX | 2 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091074 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.18 |  | XXX | XXX | No | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091062 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 2 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.02 |  | XXX |  | No | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091076 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.30 |  | XXX | XXX | No | No | XXX | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091066 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.01 |  | XXX |  | No | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091059 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 0.81 |  | XXX |  | No | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091064 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.02 |  | XXX | XXX | No | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091065 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 2 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | AE | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.45 |  | XXX | XXX | Yes | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091061 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.05 |  | XXX |  | No | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091068 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 4 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.10 |  | XXX | XXX | No | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091060 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 3 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.00 |  | XXX | XXX | No | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091071 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | 3 | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.01 |  | XXX | XXX | No | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091048 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion | No | Yes | Yes | 3 | Personal | 100 | 3 |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX | Warrantable | No | XXX |
| 2091056 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100 |  | 13 |  | XXX |  |  |  | Yes | Yes | 60 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | 22.86 | 33.03 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091044 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX | Warrantable | No | XXX |
| 2091047 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | Yes | 1 | Personal | 100 | 1 |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | D | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091046 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | Yes | 1 | Personal | 100 | 1 |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091050 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091054 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 22.35 | 31.66 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | AE | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091036 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | Yes | 3 | Personal | 100 | 3 |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 2 | No | 0 | 0 | 0 | 3 | 25.09 | 37.3 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091039 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 111 | 2 | 2 | No | 2 | 2 | 0 | 2 | 31.81 | 49.56 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091037 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | Yes | No | 45 | Yes | 34 | 1 | 0 | No | 1 | 1 | 0 | 2 | 43.97 | 48.89 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091042 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX | Warrantable | No | XXX |
| 2091045 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091040 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091041 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091034 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 24 | No | 0 | 1 | 0 | No | 0 | 0 | 0 | 0 | 15.68 | 30.93 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091055 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | Yes | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 23.92 | 27.65 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091049 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091038 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 150 | 2 | 1 | No | 2 | 2 | 0 | 2 | 30.5 | 46.72 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091057 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  |  | XXX |  |  | Yes | Yes | 204 | No | 0 | 2 | 0 | No | 0 | 0 | 0 | 2 | 22.7 | 37.61 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091035 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 199 | 2 | 2 | No | 2 | 2 | 0 | 2 | 46.89 | 49.95 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091043 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 2 | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | D | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091053 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | 41.87 | 49.76 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091051 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO |  | No |  | 1 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | Yes | 104 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 8.27 | 15.06 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | No | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 2091052 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100 |  |  | 12 | XXX |  |  |  | Yes | Yes | 45 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 49.38 | 49.73 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | X | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | XXX |
| 1677552 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | DSCR | 5 | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Inprogress | Conventional | 30 Year Fixed |  | TRID |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  |  | 0 |  |  | 3 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | Zone X | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 0.99 |  | XXX | XXX |  |  | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX |  |  | XXX |
| 2093623 |  | XX/XX/XXXX | ATR/QM: EXEMPT | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | N/A | APPROVED |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | CLOSED | DSCR | 30 YR FIXED |  | NO |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | NO | NO | NO |  |  |  |  |  |  |  |  |  |  | NO | NO | 0 | NO | 0 | 0 | 0 | NO | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | NO |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  | NO |  | LIFE OF LOAN | Regular Program | XXX | XX/XX/XXXX |  |  | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | PERCENTAGE ONLY | 0.03 |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | 0.90 |  | XXX | XXX | NO | NO | XXX | 1 | XXX |  | XXX |  | XXX | XXX | XXX | 0 | XXX | XXX |
| 2093626 |  | XX/XX/XXXX | ATR/QM: EXEMPT | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | N/A | APPROVED |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | CLOSED | DSCR | 30 YR FIXED |  | NO |  | 1 | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | NO | NO | NO |  |  |  |  |  |  |  |  |  |  | NO | NO | 0 | NO | 0 | 0 | 0 | NO | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | NO |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  | NO |  | LIFE OF LOAN | Regular Program | XXX | XX/XX/XXXX |  |  | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | PERCENTAGE ONLY | 0.03 |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | 1.10 |  | XXX |  | YES | NO |  | 1 | XXX |  | XXX |  | XXX | XXX | XXX | 0 | XXX | XXX |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2091069 |  | T & I Payment | XXX | XXX | XXX |
| 2091075 |  | Prepayment Penalty | XXX | XXX | XXX |
| 2091063 |  | DSCR | XXX | XXX | XXX |
| 2091063 |  | Mo Pymt (P&I) | XXX | XXX | XXX |
| 2091063 |  | T & I Payment | XXX | XXX | XXX |
| 2091073 |  | DSCR | XXX | XXX | XXX |
| 2091073 |  | Mo Pymt (P&I) | XXX | XXX | XXX |
| 2091073 |  | T & I Payment | XXX | XXX | XXX |
| 2091074 |  | DSCR | XXX | XXX | XXX |
| 2091062 |  | Mo Pymt (P&I) | XXX | XXX | XXX |
| 2091066 |  | Qualifying FICO | XXX | XXX | XXX |
| 2091066 |  | DSCR | XXX | XXX | XXX |
| 2091059 |  | DSCR | XXX | XXX | XXX |
| 2091068 |  | Loan Purpose | XXX | XXX | XXX |
| 2091068 |  | Prepymt - May/Will Not Penalty | XXX | XXX | XXX |
| 2091060 |  | T & I Payment | XXX | XXX | XXX |
| 2091048 |  | Property Value | XXX | XXX | XXX |
| 2091048 |  | MIN No | XXX | XXX | XXX |
| 2091048 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091048 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091056 |  | MIN No | XXX | XXX | XXX |
| 2091056 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091056 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091044 |  | MIN No | XXX | XXX | XXX |
| 2091044 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091044 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091047 |  | MIN No | XXX | XXX | XXX |
| 2091047 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091047 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091046 |  | MIN No | XXX | XXX | XXX |
| 2091046 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091046 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091050 |  | Property County | XXX | XXX | XXX |
| 2091050 |  | MIN No | XXX | XXX | XXX |
| 2091050 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091050 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091054 |  | Property Value | XXX | XXX | XXX |
| 2091054 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091036 |  | Property Value | XXX | XXX | XXX |
| 2091036 |  | Application Date | XXX | XXX | XXX |
| 2091036 |  | Verified Doc Type | XXX | XXX | XXX |
| 2091036 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091036 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091039 |  | Property Value | XXX | XXX | XXX |
| 2091039 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091039 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091037 |  | Property Value | XXX | XXX | XXX |
| 2091037 |  | MIN No | XXX | XXX | XXX |
| 2091037 |  | Verified Doc Type | XXX | XXX | XXX |
| 2091037 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091037 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091042 |  | MIN No | XXX | XXX | XXX |
| 2091042 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091042 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091045 |  | Property Value | XXX | XXX | XXX |
| 2091045 |  | MIN No | XXX | XXX | XXX |
| 2091045 |  | Application Date | XXX | XXX | XXX |
| 2091045 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091045 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091040 |  | MIN No | XXX | XXX | XXX |
| 2091040 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091040 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091041 |  | Property Value | XXX | XXX | XXX |
| 2091041 |  | MIN No | XXX | XXX | XXX |
| 2091041 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091041 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091034 |  | Property Value | XXX | XXX | XXX |
| 2091034 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091034 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091055 |  | Property Value | XXX | XXX | XXX |
| 2091055 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091055 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091049 |  | MIN No | XXX | XXX | XXX |
| 2091049 |  | Property Value | XXX | XXX | XXX |
| 2091049 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091049 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091038 |  | Property Value | XXX | XXX | XXX |
| 2091038 |  | Application Date | XXX | XXX | XXX |
| 2091038 |  | Verified Doc Type | XXX | XXX | XXX |
| 2091038 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091038 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091057 |  | Property Value | XXX | XXX | XXX |
| 2091057 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091057 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091035 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091035 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091043 |  | MIN No | XXX | XXX | XXX |
| 2091043 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091043 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091053 |  | MIN No | XXX | XXX | XXX |
| 2091053 |  | Sales Price | XXX | XXX | XXX |
| 2091053 |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX |
| 2091053 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091051 |  | Application Date | XXX | XXX | XXX |
| 2091051 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 2091052 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX |
| 1677552 |  | Borrower_First_Name | XXX | XXX | XXX |
| 1677552 |  | Loan_Purpose | XXX | XXX | XXX |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06**

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 533 originated residential mortgage loan, in connection with the securitization identified as EFMT 2025-NQM6 (the "Securitization"). The review began on March 23, 2022 and concluded on November 20, 2025.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT
 REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

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

&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.

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

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

2. <u>Review Approval Conditions</u> 

&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;b. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&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;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

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

&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;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies
 bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate
 borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 DSCR Calculation of rent per lease or comparable rent schedule from appraisal divided
 by the subject total PITIA payment – DSCR If Lease and comparable rent payments
 differ Digital Risk will refer to the client guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&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;ii. Check
 dates for document expiration

7. <u>Review Sales Contract</u> 

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

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

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

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

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

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

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

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

9. <u>Review Title Commitment/Policy</u> 

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

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

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

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

10. <u>Review Closing Documents</u>.

&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;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

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

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal report:

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

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

&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;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 evidence that Client approved use of
 that appraisal

&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 closing
 of the loan. Any revisions, if made known to Digital Risk, 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;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;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, Digital Risk will review third-party products in
 the file to ensure the correct value was applied per Client Guidelines

&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, Digital Risk'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;x. Other
 aspects of Digital Risk'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 if there
 are negative external factors, there is support in the loan file of the Client's
 approval to waive the factor; 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;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk 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 Digital
 Risk'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;d. Digital
 Risk 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, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were documented
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk 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.

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance
 Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

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

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

&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;e. failure
 to provide the three (3) business day rescission period; and

&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;

2. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

3. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Letter (must state that borrower(s) will not reside in the property for more than 14
 days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

4. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</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;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties, as set forth below:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk 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.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&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. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; 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. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&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. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 $66,156; 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. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&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. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; 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. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT
 REVIEW.

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</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;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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</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;a. Accept/Eligible
 decision

&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. AUS
data integrity

&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. Underwriting
 decision is supported (AUS or 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of income 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;e. Validation
 of assets/funds to close

&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. Validation
 of DTI 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;g. Validation
 of LTV 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;h. Reconcile
 AUS mismatches

&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. Validation
 of payment shock calculations 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;j. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</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;a. Occupancy
 is supported

&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. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</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;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score 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;e. The
 Reverifications within this section are intended to meet the Client Guidelines, Additional
 Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</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;a. Validates
 Social Security number and year issued

&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. Verifies
 address information associated with the Borrower (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;c. Confirms
 OFAC clearances

&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. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</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;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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

---

| | |
|:---|:---|
| ii. | W-2s and Paystubs |
| iii. | Transcripts (as applicable) support income |
| iv. | Tax Returns and Profit and Loss Statements, as applicable |
| v. | Bank Statements or other Alternate Income documents as required by the Client Guidelines or Additional Guidelines |
| vi. | Consistent/Continuing Employment |
| vii. | The Reverifications within this section are intended to meet the Agency Guidelines |
|  | for post- closing quality control reverifications. (If needed) |

---

&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. Assets

---

| | |
|:---|:---|
| i. | Confirm adequate funds to cover required down payment and closing costs and reserves |
| ii. | Check dates for document expiration |
| iii. | Sufficient funds were sourced and seasoned |
| iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
| v. | The Reverifications within this section are intended to meet the Client or Agency |
|  | Guidelines for post- closing quality control reverifications. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</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;a. Complete
 and 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;b. Earnest
 Money Deposit verified

&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. Parties
 are consistent

&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. Seller
 contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</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;a. Verify
 sufficient coverage

&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
 coverage is for subject

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</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;a. Certificate
 in 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;b. Sufficient
 Coverage

&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. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</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;a. Vesting
 correct

&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. Lien
 position

&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. Legal
 description

&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. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</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;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</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;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties, as set forth below:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk 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.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&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. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; 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. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&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. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 $66,156; 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. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&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. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; 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. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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;vii. 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;viii. 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;ix. 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;x. 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;xi. 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;16. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 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;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal report.

&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. 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;&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;&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;&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;&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;&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;&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 Digital Risk, 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;&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;&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, Digital Risk will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk'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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (a) verifying that the address matched
 the mortgage note, (b) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (c) confirming
 the appraisal report does not include any apparent environmental problems, (d) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (e) reviewing pictures to ensure (1) that the property is in average
 or better condition and any repairs are noted where required and (2) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (f) 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk 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 Digital
 Risk'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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk 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, Digital
 Risk 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE
 REVIEW.

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk 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 Digital Risk 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;&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;&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 Digital Risk

&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. 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;&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;&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;&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;&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;&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;&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 Digital
 Risk.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</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;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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● ● Note: Where available, Digital Risk 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, Digital Risk'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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</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;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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</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;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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>.
 Digital Risk will not 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;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;&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;&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.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 533 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 24 | 4.50% |
| Appraised Value | 24 | 2.34% |
| CLTV | 56 | 10.51% |
| Debt Service Coverage Ratio | 233 | 43.71% |
| First Payment Due Date | 3 | 0.56% |
| Loan Purpose | 11 | 2.06% |
| LTV | 37 | 6.94% |
| Maturity Date | 6 | 1.13% |
| Original Interest Rate | 10 | 1.88% |
| Original Loan Amount | 16 | 3.00% |
| Original Qualifying FICO Score | 25 | 4.69% |
| Origination/Note Date | 9 | 1.69% |
| Originator Back-End DTI | 17 | 3.19% |
| Property Type | 43 | 4.19% |
| Sales Price | 3 | 0.29% |
| Subject State | 3 | 0.29% |
| Subject Street Address | 7 | 0.68% |
| Subject Zipcode | 2 | 0.19% |
| The Original Principal and Interest Payment Amount | 4 | 0.75% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 341 | $179689467.00 | 63.98% |
| Event Grade B | 192 | $121070142.00 | 36.02% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 533 | $300759609.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 398 | $208744435.00 | 74.67% |
| Event Grade B | 135 | $92015174.00 | 25.33% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 533 | $300759609.00 | 100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 470 | $270989510.00 | 88.18% |
| Event Grade B | 63 | $29770099.00 | 11.82% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 533 | $300759609.00 | 100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 523 | $293886623.00 | 98.12% |
| Event Grade B | 10 | $6872986.00 | 1.88% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 533 | $300759609.00 | 100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. 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 valuation methodology does not meet applicable published guidelines for the program. <br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>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 valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 1**

EFMT 2025-NQM6 Rebuttal Findings_Redacted

---

| |
|:---|
| Seller: |
| Deal ID: |
| Total Loan Count: 534 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Trade Summary | Trade Summary | Trade Summary |
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage |
| 1 | 342 | 64.04% | Review Complete | 531 | 99.44% |
| 2 | 192 | 35.96% | In Rebuttal | 3 | 0.56% |

---

---

| | |
|:---|:---|
| ![](pie-chart.jpg) | ![](pie-chart2.jpg) |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  |  |  | Finding Status | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |  |  |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |  |  |  |
| 3 | 640 | 625 | 640 | 0 | 535 | 0 | 0 | 0 | 0 | 119 | 521 |  |  |  |
| 4 | 14 | 14 | 14 | 0 | 13 | 0 | 0 | 0 | 0 | 1 | 13 |  |  |  |
| 2 | 265 | 123 | 127 | 3 | 119 | 0 | 0 | 0 | 0 | 151 | 114 |  |  |  |
| 1 | 1054 | 14 | 14 | 1010 | 1 | 0 | 14 | 0 | 0 | 0 | 1054 |  |  |  |
|  | 3 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  |  |
|  |  |  |  |  |  |  |  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | 386 | 197 | 3 | 186 | 0 | 0 | 84 |
| Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | 129 | 31 | 0 | 98 | 0 | 0 | 14 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 39 | 39 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | 25 | 19 | 0 | 6 | 0 | 0 | 6 |
| Appraisal Notice - Missing | Appraisal Notice - Missing | Appraisal Notice - Missing | Appraisal Notice - Missing | Appraisal Notice - Missing | Appraisal Notice - Missing | Appraisal Notice - Missing | Appraisal Notice - Missing | 15 | 0 | 0 | 15 | 0 | 0 | 0 |
| Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | 14 | 14 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | 14 | 14 | 0 | 0 | 0 | 0 | 7 |
| HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | 13 | 0 | 0 | 13 | 0 | 0 | 10 |
| Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | 13 | 6 | 0 | 7 | 0 | 0 | 7 |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 12 | 12 | 0 | 0 | 0 | 0 | 0 |
| State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | 9 | 0 | 0 | 9 | 0 | 0 | 9 |
| TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | 6 | 0 | 0 | 6 | 0 | 0 | 5 |
| HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | 5 | 0 | 0 | 5 | 0 | 0 | 0 |
| Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | 5 | 2 | 0 | 3 | 0 | 0 | 3 |
| TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | 5 | 0 | 0 | 5 | 0 | 0 | 5 |
| TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | 4 | 3 | 0 | 1 | 0 | 0 | 1 |
| TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | 4 | 0 | 0 | 4 | 0 | 0 | 4 |
| Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | 3 | 1 | 2 | 0 | 0 | 0 | 0 |
| HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Note - Incomplete / Inaccurate | Note - Incomplete / Inaccurate | Note - Incomplete / Inaccurate | Note - Incomplete / Inaccurate | Note - Incomplete / Inaccurate | Note - Incomplete / Inaccurate | Note - Incomplete / Inaccurate | Note - Incomplete / Inaccurate | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | 2 | 1 | 0 | 1 | 0 | 0 | 0 |
| Security Instrument - Power of Attorney Missing | Security Instrument - Power of Attorney Missing | Security Instrument - Power of Attorney Missing | Security Instrument - Power of Attorney Missing | Security Instrument - Power of Attorney Missing | Security Instrument - Power of Attorney Missing | Security Instrument - Power of Attorney Missing | Security Instrument - Power of Attorney Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | 2 | 1 | 0 | 1 | 0 | 0 | 1 |
| HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | 2 | 0 | 0 | 2 | 0 | 0 | 1 |
| State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Appraisal Notice - Late / Undated | Appraisal Notice - Late / Undated | Appraisal Notice - Late / Undated | Appraisal Notice - Late / Undated | Appraisal Notice - Late / Undated | Appraisal Notice - Late / Undated | Appraisal Notice - Late / Undated | Appraisal Notice - Late / Undated | 1 | 0 | 0 | 1 | 0 | 0 | 0 |
| Note - Address Discrepancy | Note - Address Discrepancy | Note - Address Discrepancy | Note - Address Discrepancy | Note - Address Discrepancy | Note - Address Discrepancy | Note - Address Discrepancy | Note - Address Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Property Address Discrepancy | Security Instrument - Property Address Discrepancy | Security Instrument - Property Address Discrepancy | Security Instrument - Property Address Discrepancy | Security Instrument - Property Address Discrepancy | Security Instrument - Property Address Discrepancy | Security Instrument - Property Address Discrepancy | Security Instrument - Property Address Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Loan Term Discrepancy | Security Instrument - Loan Term Discrepancy | Security Instrument - Loan Term Discrepancy | Security Instrument - Loan Term Discrepancy | Security Instrument - Loan Term Discrepancy | Security Instrument - Loan Term Discrepancy | Security Instrument - Loan Term Discrepancy | Security Instrument - Loan Term Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | TRID - CD - Closing Information/Closing Date | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (Revised Disclosure Late) | TRID - 10% Tolerance Violation (Revised Disclosure Late) | TRID - 10% Tolerance Violation (Revised Disclosure Late) | TRID - 10% Tolerance Violation (Revised Disclosure Late) | TRID - 10% Tolerance Violation (Revised Disclosure Late) | TRID - 10% Tolerance Violation (Revised Disclosure Late) | TRID - 10% Tolerance Violation (Revised Disclosure Late) | TRID - 10% Tolerance Violation (Revised Disclosure Late) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Note - Missing | Note - Missing | Note - Missing | Note - Missing | Note - Missing | Note - Missing | Note - Missing | Note - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Credit | Credit | Credit | Credit | Credit | Credit | Credit | Credit | 497 | 414 | 11 | 72 | 0 | 0 | 177 |
| DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | 90 | 47 | 0 | 43 | 0 | 0 | 54 |
| Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | 46 | 45 | 0 | 1 | 0 | 0 | 2 |
| Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | 42 | 40 | 0 | 2 | 0 | 0 | 7 |
| Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | 29 | 27 | 0 | 2 | 0 | 0 | 19 |
| Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | 26 | 25 | 0 | 1 | 0 | 0 | 16 |
| Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | 21 | 19 | 0 | 2 | 0 | 0 | 17 |
| DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | 20 | 20 | 0 | 0 | 0 | 0 | 2 |
| Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | 15 | 14 | 0 | 1 | 0 | 0 | 3 |
| Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | 14 | 14 | 0 | 0 | 0 | 0 | 0 |
| Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | 12 | 5 | 0 | 7 | 0 | 0 | 9 |
| Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | 12 | 12 | 0 | 0 | 0 | 0 | 3 |
| Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | 11 | 11 | 0 | 0 | 0 | 0 | 0 |
| Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | 10 | 9 | 0 | 1 | 0 | 0 | 6 |
| Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | 9 | 9 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | 9 | 9 | 0 | 0 | 0 | 0 | 3 |
| Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | 8 | 4 | 4 | 0 | 0 | 0 | 3 |
| DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | 8 | 7 | 0 | 1 | 0 | 0 | 1 |
| Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | 6 | 2 | 3 | 1 | 0 | 0 | 2 |
| Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | 5 | 5 | 0 | 0 | 0 | 0 | 1 |
| Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | 4 | 3 | 0 | 1 | 0 | 0 | 2 |
| Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | 3 | 2 | 1 | 0 | 0 | 0 | 0 |
| Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | 3 | 2 | 0 | 1 | 0 | 0 | 2 |
| Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | 3 | 2 | 0 | 1 | 0 | 0 | 3 |
| Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Initial Application - Missing | Initial Application - Missing | Initial Application - Missing | Initial Application - Missing | Initial Application - Missing | Initial Application - Missing | Initial Application - Missing | Initial Application - Missing | 2 | 0 | 2 | 0 | 0 | 0 | 0 |
| FEMA | FEMA | FEMA | FEMA | FEMA | FEMA | FEMA | FEMA | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | Condo - Other | 2 | 1 | 0 | 1 | 0 | 0 | 2 |
| Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | 2 | 1 | 1 | 0 | 0 | 0 | 0 |
| Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | DSCR - Missing required STR Documents | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - CLTV | Program Parameters - CLTV | Program Parameters - CLTV | Program Parameters - CLTV | Program Parameters - CLTV | Program Parameters - CLTV | Program Parameters - CLTV | Program Parameters - CLTV | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Contract - Parties | Contract - Parties | Contract - Parties | Contract - Parties | Contract - Parties | Contract - Parties | Contract - Parties | Contract - Parties | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing Third party rent estimate | DSCR - Missing Third party rent estimate | DSCR - Missing Third party rent estimate | DSCR - Missing Third party rent estimate | DSCR - Missing Third party rent estimate | DSCR - Missing Third party rent estimate | DSCR - Missing Third party rent estimate | DSCR - Missing Third party rent estimate | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | 36 | 29 | 0 | 7 | 0 | 0 | 10 |
| Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | 34 | 28 | 0 | 6 | 0 | 0 | 9 |
| Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | 1 | 1 | 0 | 0 | 0 | 0 | 0 |

---

![](bar-chart.jpg)

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2091088 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was:XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091088 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-priced Covered Transaction subject to QM-Rebuttable Presumption. Truth in Lending Act (Regulation Z)12 CFR 1026.43(e)(1)(ii) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091088 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The Rate set date is XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091088 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Broker Fee $XXXX, Underwriting Fee $XXXX, XXXX fee $XXXX, Tax Service Fee $ XXXX, Document signing fee $XXXX, Recording Service Fee $XXXX, Settlement Fee $XXXX, Sub escrow Fee $XXXX, Tie in fee $XXXX, Title Courier Fee $XXXX, Title Insurance processing Fee $XXXX, Wire transfer Fee $XXXX, and Prepaid Interest fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. Although the regulation requires the cure within XXXX days of consummation, investor will accept XXXX days from the discovery date, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> tolerance cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2091088 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Closing Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091088 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii). | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The PCCD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii). (Upheld)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091088 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee Notary/signing fee where 'compensation to' does not reflect a Payee on the revised CD. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091088 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Per guides, the max LTV for the purchase of a primary residence and XXXX is XXXX%. The subject loan was qualified and closed with an LTV of XXXX%, which exceeds the max of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per the matrix dated XX/XX/XXXX with a fico of XXXX max LTV is XXXX%.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX% LTV is allowed based on the XXXX/XXXX matrix. Please clear this condition.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> You are to use Onslow guidelines with the XXXX Matrix for LTV. please clear this condition<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Guides dated XX/XX/XXXX were used. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> XXXX guides, dated XX/XX/XXXX, were used at review. Name of the guide provided in rebuttal is cut off. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091088 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a full second appraisal, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091090 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091090 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Source | XXXX | The total required funds for closing and reserves was $XXXX. A large portion of the borrower's funds were sourced from XXXX business checking account ending in XXXX and in the name of XXXX with the borrower as a signor on the account. The investor guidelines required borrowers ownership percentage to be documented via CPA letter, Operating Agreement or equivalent. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> bank statements showing rent paid in advance $XXXX XXXX/XXXX/XXXX and $XXXX XXXX/XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091090 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Borrower rents at his current residence. A copy of the lease agreement was provided supporting the rent amount of $XXXX payable to XXXX. The investor guidelines required a VOR to support the monthly payment history for the rent paid. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached is the operating agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091090 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091089 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091089 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | The subject loan's qualifying income was from XXXX month of business bank statements. The investor guidelines required verification of the business existence and that the business if fully operational/active required within XXXX calendar days of closing and an internet search of the business with documentation to be included to support the Business Narrative. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> There is a CPA letter in the file and attached is evidence the business is still active<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091089 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093633 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c).There is no evidence the Borrower received a copy of the Appraisal at least XXXX business days prior to closing. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender Acknowledged finding and EV2 Grade<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Lender Acknowledged finding and EV2 Grade (Acknowledged)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093633 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The appraisal for the property on XXXX is missing from the loan file. The XXXX was unable to review the appraisal report for this property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Appraisal for XXXX was provided with file. Uploaded to DR.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093633 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file did not contain a background check for the Borrower as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX for both borrowers XXXX XXXX were provided within the loan file. Uploaded to DR.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093633 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The loan file was missing flood certifications for multiple properties. The Flood Certs for the properties at (street names) XXXX, XXXX, XXXX, XXXX and XXXX were not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Missing Flood Certificates provided and located in the loan file. Uploaded to DR.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093633 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented. Lease agreement for the XXXX property is required but missing from the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Comparable Rent Schedule/XXXX was located and provided within the file. Uploaded to DR. If no lease is available (Month to Month , expired) , XXXX months Evidence of receipt of rental income similar to current levels (deposit on bank statement, cancelled check). XXXX months Banks statements provided in the file with average monthly deposits for XXXX at $XXXX. Please review and advise.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Exception for missing leases <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Only XXXX months of bank statements provided. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. $XXXX in reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093633 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Cash-Out Amount | XXXX | The subject loan exceeds the Program Parameters for cash out amount. The Maximum cash out allowed was $XXXX per the guidelines, however the cash proceeds at closing were $XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This only applies is properties where purchased within XXXX-year of refinance; this portfolio of loans where purchased between XXXX-XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093633 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains AVMs dated from XX/XX/XXXX which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096196 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender Acknowledged finding and EV2 Grade<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Lender Acknowledged finding and EV2 Grade (Acknowledged)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2096196 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the co-borrower is not contained in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Credit report uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096196 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | Per Lender's guides tenants are not allowed to be relatives. The lease agreements in the loan file reflects the same name as the borrower XXXX. One lease agreement reflects the tenant as being XXXX and the other lease agreement reflects the tenant as XXXX. XXXX reflects the tenants could be possible relatives of the borrower. It cannot be determine if the tenants are the borrower's relatives as they share the same name. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX is common name, and we ended up verifying borrower's address from the loan application to the driver licenses, bank statements, and credit report located at XXXX, XXXX. As such, the one tenant isn't our borrower, and XXXX could be relative to other tenant.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX to accept, please waive for L2 grade.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide referenced documentation. In addition, it is still unknown if XXXX is a relative to the borrower or not. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver applied. (Waived)<br>**  |  | $XXXX in assets. Less than XXXX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 2096196 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The AVM did not support the value within a 10% variance. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> A CDA was provided which supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093656 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093656 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | The Occupancy Affidavit and a Business Purpose Affidavit are missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see upload<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093656 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank and/or asset statements are incomplete. Need XXXX months immediately preceding account statements, missing account statement dated XX/XX/XXXX-XX/XX/XXXX for XXXX account number ending XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> For this outstanding exception we are missing the XXXX bank statement; However we received XXXX XXXX, XXXX and then we requested the most recent updated bank statement when the loan was ready to close which was the XXXX bank statement. Can this exception be waived or moved to EV2<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver has been applied. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 4 | 2 | 3 | 2 |
| XXXX | 2093656 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | Minimum DSCR allowed per guidelines is XXXX. The subject loan was qualified at XXXX; however, due to actual HOA being higher the XXXX at audit. HOA used at origination was $XXXX per month per estimate from appraiser. Actual HOA reflected on the final Settlement Statement is $XXXX per month. XXXX the minimum required of XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Disagree with defect. P&I for subject loan is $XXXX per Note. Per HUD, and supported by tax bill, the taxes for the property are $XXXX. Per hazard insurance the Insurance is $XXXX. Per HUD the HOA dues for the subject are $XXXX/month. The total PITIA for the subject property is $XXXX. Per the appraisal the market rent for the subject property is $XXXX/month. $XXXX divided by $XXXX = XXXX. Loan meets guidelines. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Per meeting with Nina, we UW based off the the HOA value stated in the appraisal, as the XXXX or HOA statements are not provided until closing. Estoppel is uploaded, however, the UW figure will not change. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Policy exception attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Taxes are $XXXX per month, PITIA is $XXXX per month, and XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> DSCR remains at .XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093656 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM Provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM provided is sufficient to cure the exception. The AVM supported the origination value within 10% and contained a confidence score of XXXX% or Higher (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093624 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Cleared |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093624 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The background check is not dated within XXXX months of the note date. (Background dated XX/XX/XXXX) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Updated background check is attached and cleared. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Report attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093624 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | XXXX declared XX/XX/XXXX for XXXX XXXX [DR-XXXX-XXXX] with an incident period of XX/XX/XXXX and continuing as of the audit review date of XX/XX/XXXX, which is after the original appraisal date XX/XX/XXXX. Please provide a Post Disaster Property Inspection Report to confirm no damage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Re-inspection is attached reflecting no damage.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093624 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan file is missing the lease agreement. The appraisal reflects the property as occupied. If the property is occupied the lease is needed for DSCR calculation. If vacant no further changes are needed as the transaction meets vacant requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lease is attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093624 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093625 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093625 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093625 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. File included AVM for property at XXXX that supported. AVM was ordered for property at XXXX and supports. AVM ordered for property at XXXX and supports. AVM ordered for property at XXXX XXXX and confidence score under XXXX at XXXX%. CDA has been ordered. AVM for XXXX did not support therefore a CDA has been ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA's provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA's provided for XXXX and XXXX and support original appraised value. As these are 2nd valuation products per the rating agencies the grading is an EV2. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093694 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093694 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093694 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided and supports original appraised value.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093672 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093672 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093672 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM's provided for all XXXX properties and all XXXX support original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093666 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093666 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The Final HUD-XXXX in the loan file does not reflect the XXXX for the property located at XXXX as being escrowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093666 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check, lien and judgement search are missing for the following: XXXX and the XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Personal background check is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing background check for Guarantor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093666 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The following are missing for the Entity known as XXXX: Operating Agreement, Articles of Organization and EIN. The following items are missing for the entity known as XXXX: EIN Number and Certificate of Good Standing | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> PLM: - EIN is attached. The 1st page of tax returns was provided. - XXXX does not require that a XXXX registers with the XXXX: - EIN: W-XXXX is attached - COGS is attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing Operating Agreement and Articles of Organization for XXXX. Still missing Certificate of Good Standing for XXXX. Still missing waivers of EIN numbers for XXXX and XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093666 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Per program guidelines a borrowing entity is required to have natural person members. The borrowing entity known as XXXX is XXXX% owned by XXXX which in turn is owned by the guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX is owned by XXXX, who is our guarantor. This is within guidelines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093666 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented. Lease agreement is required but missing from the loan file for the following properties: XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Lease for XXXX is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing lease for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093666 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Per program guidelines, the maximum LTV on a cash-out refinance of a blanket loan is XXXX% LTV. When the loan is considered a vacant property, there is an additional XXXX% LTV reduction and if more than XXXX% of the properties in the blanket loan have a XXXX there is an additional XXXX% LTV reduction. The subject loan closed with XXXX with a XXXX and is considered a vacant property since there are multiple vacant properties with an LTV of XXXX% which is outside the maximum guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the calculations as well as where in the guidelines where it reflects we need a XXXX% LTV reduction. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Policy exception is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Calculations were provided in the REO section of the support file. Page XXXX of the guide addresses the XXXX% LTV reduction for blanket loans with a DSCR between .XXXX and .XXXX. Page XXXX of the guide addresses the XXXX% LTV reduction for vacant properties. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093666 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain a CDA for any of the included properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The XXXX have been dropped into DR. Please review these ASAP as they are a part of a current loan sale. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> CDA's provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only XXXX CDA was provided. CDA provided for XXXX, XXXX, XXXX XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> CDA's provided for all properties and each CDA supports each individual property. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093684 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093684 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093684 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVMprovided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093690 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093690 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Repairs | XXXX | The appraisal indicated repairs and improvements were required to support value, for the property located at XXXX, and no final inspection or evidence of completion was found in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Re-inspection is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093690 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file did not contain a Hazard Insurance Policy for any of the included properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Insurance docs are attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093690 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required but missing from the loan file for the following properties: XXXX, XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Leases are attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093690 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVMprovided and does not support the original appraised value within - XXXX% for properties at XXXX and XXXX. CDA's tobe ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA's provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA's provided and support the original appraised value for XXXX and XXXX. As this is a second valuation product, per the rating agencies this is to be rated as an EV2. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093691 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093691 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093691 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVM provided and does not support the original appraised value within - XXXX%. Properties at XXXX and XXXX were not supported by the AVM's provided. CDA's to be ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA's provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA's provided and support original appraised value for properties at XXXX & XXXX. As these are 2nd valuations, per the rating agencies these are rated as an EV2. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093855 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093855 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093855 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVMprovided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093678 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093678 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093678 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. AVM provided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093692 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093692 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093692 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVMprovided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093683 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093683 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093683 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVMprovided and does not support the original appraised value within - XXXX%. CDA tobe ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports original appraised value. As this is a 2nd valuation product, per the rating agencies this is an EV2 grade. (Resolved)<br>**  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2093688 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation:The borrower is an entity and a Guaranty Agreement was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Affidavit of Property Use is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093688 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093688 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093687 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093687 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093687 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093686 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Missing cash out letter | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Cash Out Letter attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093686 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093686 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVM provided and supports original appraised value but confidence score is under XXXX. CDA to be ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. As this is the 2nd valuation product, per the rating agencies this is graded as an EV2. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2093685 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093685 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093685 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVMprovided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093724 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093724 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093724 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVM provided and does not support the original appraised value within - XXXX%. CDA to be ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. As this is a 2nd valuation product, per the rating agencies this is an EV2 grade. (Resolved)<br>**  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2093725 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093725 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093725 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093721 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093721 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject loan is a refinance of a property which is securing a blanket mortgage with XXXX other properties. Schedule C of the mortgage indicates release price of at least $XXXX for each property. The HUD does not indicate any funds paid for release of subject property. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093721 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093727 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093727 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. Per the HUD-XXXX in the loan file, the cash from borrower at close needed is $XXXX. No assets or other evidence of cash to close was in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093727 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Assets were not in the loan file. Minimum reserves required to be verified are $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is a cash-out refinance and XXXX cash out is applied towards reserves and no evidence of liquidity is required. Please reference pg. XXXX of our guidelines. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093727 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The OFAC search for XXXX is not in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> OFAC is attached and clear. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093727 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093719 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093719 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject loan is a refinance of a property which is securing a blanket mortgage with XXXX other properties. Schedule C of the mortgage indicates release price of at least $XXXX for each property. The HUD does not indicate any funds paid for release of subject property. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093719 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093726 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093726 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject loan is a refinance of a property which is securing a blanket mortgage with XXXX other properties. Schedule C of the mortgage indicates release price of at least $XXXX for each property. The HUD does not indicate any funds paid for release of subject property. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093726 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096203 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096203 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Investment Property Reserves | XXXX | The loan file does not contain verified asset documentation except cash back from the loan transaction verified to be a total of $XXXX. The loan file requires XXXX months reserves which totals $XXXX. The loan file is short $XXXX in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Bank statements attached. Please note this is a cash-out refinance and the FICO score is XXXX, therefore, cash out proceeds can be used for XXXX% of the reserves. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096203 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | The loan file is missing a completed condo questionnaire as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Questionnaire is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096203 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject loan was delivered as a XXXX% LTV rate and term refinance of an investment property condominium with a XXXX. Investor guidelines reflect a maximum LTV of XXXX% for this transaction; however, documentation in file indicates the subject condo project in non-warrantable which requires a XXXX% LTV reduction to XXXX%. In addition, The appraisal indicates the subject is occupied by a tenant, however photos clearly indicate tenant is not currently residing in the unit and is in the process of moving, which would require an additional XXXX% LTV reduction for a vacant property refinance to XXXX%. If the unit is considered occupied, then investor guidelines require a lease to be provided and the loan file is missing a fully executed acceptable lease. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2096203 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096206 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed. The Ethnicity section for Borrower was not completed. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2096206 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2096206 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093776 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093776 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Assets were required in the amount of $XXXX ($XXXX EMD + $XXXX funds due at closing + $XXXX reserves). Assets were verified in the amount of $XXXX resulting in short reserves in the amount of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> There is a CD account provided that can be used for reserves. The signature card is also attached for evidence that the account belongs to the guarantor. Additionally, per the HUD, the EMD was already taken into account. Total liquidity should be $XXXX + $XXXX for a total of $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093776 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093780 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093780 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093780 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093772 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093772 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093772 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093755 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093755 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Borrower Info | XXXX | The name reflected as the borrower on the appraisal does not match the borrower/guarantor's name or the borrowing entity name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Revised appraisal attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093755 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | A full appraisal with interior and exterior photos were provided; however, the photo of the kitchen is missing. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The appraiser advised they did not obtain pictures of the kitchen, but included it&#XXXX;s location on the sketch. Please advise if this will clear this finding. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Exception is attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The sketch is not a substitute for the kitchen photo. Please provide. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093755 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093775 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093775 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The prepayment penalty on the note does not match the allowable prepayments per guidelines. Prepayment penalty is XXXX% for XXXX years. Guidelines state allowable XXXX year prepayments are XXXX%, XXXX%, XXXX% or XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093775 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093771 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing cash out letter | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The cash-out letter is only applicable if the loan closes under an individual borrower. This loan closed under trust. A cash-out letter is not applicable. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Borrower is an entity. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093771 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. The borrowers name on page XXXX HUD1 does not match borrowers name on Note, Mortgage and Title. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Corrected HUD attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2093771 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The hazard insurance reflects the incorrect borrower name. The name on the hazard insurance should read XXXX dated XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Updated COI attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093771 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093781 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093781 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the borrowing entity XXXX passed the OFAC screening process. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Our guidelines require OFAC screening of every individual borrower/guarantor. OFAC screenings on a entity are not required in our guidelines. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093781 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093773 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093773 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093773 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVM provided and does not support the originalappraised value within - XXXX%. CDA to be ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. As this is a second valuation product, per the rating agencies this is graded as an EV2. (Resolved)<br>**  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2093748 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093748 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate insurance escrows can be waived if the Borrower submits a request, the XXXX and if the policy is a blanket and includes other properties or coverages tied to the specific operation of the business. Escrows for insurance were not collected at closing. The evidence of insurance provided does not reflect coverage for other properties or business operation coverages that are not standard for a DP3 Policy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The borrower's credit scores are above XXXX, so we allow waiving of insurance escrows and since this is a purchase and a new policy, there is no confirmation of perfect pay.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093748 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVM provided and does not support the originalappraised value within - XXXX%. CDA to be ordered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. As this is a second valuation product, per the rating agencies this is graded as an EV2. (Resolved)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093749 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093749 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093749 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093841 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093841 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093841 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093848 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093848 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | Per guidelines, funds required for the down payment and closing costs on purchases must be documented with XXXX months of bank statements. The second months statement from XXXX #XXXX is not in the loan file and is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX-months of statement plus a transaction history for account #XXXX was provided. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093848 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093846 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093846 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The subject loan is a rate and term refinance of an investment property with a XXXX, which requires XXXX months reserves. XXXX $XXXX which results in required reserves of $XXXX. The borrower was required to bring $XXXX to closing, which results in total required assets of $XXXX. The borrower's verified assets total $XXXX. The borrower is short $XXXX minimum reserves. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093846 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093852 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093852 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. The guidelines indicate that if >XXXX% of the properties included in the blanket are condos, XXXX-XXXX units, or a combination of both, pre-approval will be required. The subject consists of XXXX properties, all of which are XXXX-unit detached; therefore, the total concentration of XXXX-XXXX units within the blanket is XXXX%, which exceeds the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093852 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | AVM supported for property at XXXXXX, AVM did not support within - XXXX% of original appraised value for property at XXXX and AVM came back indeterminate for property at XXXXXX. CDA's will be ordered for the last XXXX properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA's provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA's provided and support original appraised value for both properties at XXXX Summit and XXXXXX. As the CDA for XXXX was a 2nd valuation product, per the rating agencies this is to be graded and EV2. (Resolved)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093787 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The signed HUD is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093787 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | A copy of the trust documentation for the XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Trust documentation attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093787 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The operating agreement for XXXX is missing from the loan file. While an amendment is present, the original Operating agreement along with any additional amendments is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Operating Agreement along with the Attorney Opinion letter attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093787 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. The guidelines indicate that if >XXXX% of the properties included in the blanket are condos, XXXX-XXXX units, or a combination of both, an exception will be required. The subject consists of XXXX properties, XXXX single family attached, XXXX XXXX-unit detached and XXXX XXXX-unit attached; therefore, the total concentration of XXXX-XXXX units within the blanket is XXXX%, which exceeds the guidelines. It should be noted that an exception was approved for this particular issue. (Waived) | Waived |  |  |  | Comp Factors - Experienced Long-Term Investor and LTV XXXX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2093787 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM's provided for all properties and supported original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093786 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093786 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093786 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093628 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093628 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing a current Flood Insurance Policy for the property located at XXXX, XXXX XXXX. The property is located in an AE Flood zone according to the included Flood Certification. It should be noted there is XXXX being escrowed according to the Final HUD-XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX information located in credit file; uploaded for review. (BV)<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093628 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the minimum program eligibility guidelines. Per Program Guidelines the maximum LTV for a DSCR loan with a DSCR rate between XXXX is XXXX%. The subject loan closed with an DSCR rate of XXXX and an LTV XXXX%, which is outside of Program Guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lease agreement for XXXX of the XXXX properties are expired from XXXX and XXXX. Which is allowable. Per the appraisal FNMA XXXX's. Currently rented total is at $XXXX, which puts the DSCR Calculation (Gross Rental Income / PITIA) at XXXX%. Per the appraisal FNMA XXXX's. Currently rented total is at $XXXX, which puts the DSCR Calculation (Gross Rental Income / PITIA) at XXXX%. Even still the borrower is qualified on the lesser conservative amount. XXXX% of market rent from XXXX/XXXX is $XXXX = XXXX%. XXXX% of market rent from XXXX/XXXX is $XXXX = XXXX%. LTV Stands at XXXX%. Borrower XXXX. (BV)<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Lease agreements for XXXX of the XXXX properties are expired from XXXX and XXXX, which is permissible per the guidelines. The XXXX's in all the appraisals reflect the most current lease figures which total $XXXX. Using the most current lease figures from the XXXX's the revised XXXX XXXX%, which the guidelines allow a max LTV of XXXX% for a Cash-Out Refi transaction. Subject LTV is XXXX%. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Actual rent was used from leases in the file. LTV is excessive. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093628 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Appraisal - Value is not supported within 10% of original appraisal amount. The AVM did not support the value within a 10% variance, confident score was below XXXX, or there was no hit. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value for the following properties: XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX information located in credit file; uploaded for review. (BV)<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Received Missing CDA field reviews. Please review and advise.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Rebuttal and documentation received does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Still missing CDA for XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> AVM provided is sufficient to cure the exception. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093643 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received a copy of the Appraisal at least XXXX business days prior to closing. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender Acknowledged finding and EV2 Grade<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Lender Acknowledged finding and EV2 Grade (Acknowledged)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093643 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | No credit report was present in the loan file. The auditor could not evaluate the Borrowers credit or mortgage history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The credit reports for both borrowers have been uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093643 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. The loan file contained only XXXX of the XXXX flood certs for the properties included in the subject loan. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Invalid. There are only XXXX flood certs because there are only XXXX addresses. The properties are all condos. XXXX of them are located at XXXX and XXXX of them are located at XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093643 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was missing. An SLV was present in the file for this issue. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Invalid - All of the properties were owned free & clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception granted by Investor. (Waived)<br>**  |  | XXXX. $XXXX in reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093643 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the minimum program eligibility guidelines. The maximum LTV allowed was XXXX% per the lender guidelines, however the subject loan was approved at an LTV of XXXX%. An SLV was in the loan file for this issue, however due to the lack of a credit report it could not be confirmed that the XXXX% LTV maximum was the correct maximum, as a XXXX was required to confirm. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The credit reports for both borrowers have been uploaded in response to the exception for the credit reports.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception granted by Investor. (Waived)<br>**  |  | XXXX. $XXXX in reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093643 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The AVM did not support the value within a 10% variance, confident score was below XXXX, or there was no hit. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. File only included XXXX CDA's for XXXX properties. SLV provided by client stating that only one CDA was oredered for each of the two buildings which housed XXXX units each totaling XXXX units as the units were identically the same for the first building units and the second building units. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM's provided for each property and is sufficient to cure the exception. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093665 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093665 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented. Lease agreement is required but missing from the loan file for the property located at XXXX, XXXX and XXXX of XXXX units on the property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documents uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documents uploaded are sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093665 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs,dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093629 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late / Undated | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XXXX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093629 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093629 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX and XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093657 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c)?. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please apply a level XXXX waiver. Loan program does not follow TRID.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Lender acknowledges with no change in grade EV2. (Acknowledged)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093657 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093657 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contained a CDA, dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093649 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | The Notice of Right to Receive Copy of Appraisal is missing from the file, and there is no other evidence in the file that the borrower was provided a notice of his/her right to obtain a copy of the appraisal. Equal Credit Opportunity Act (Regulation B)12 CFR 1002.14Truth In Lending Act (Regulation Z) [HPML]12 XXXX | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093649 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The file contains an exception for bank statement provided not having a full XXXX days of account history and not reflecting name of banking institution (waived). | Waived |  |  |  | Compensating Factors: History of having XXXX mortgages, over XXXX months cash reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2093649 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Per the guidelines; a background check is required for all borrower/guarantor(s) and entity. The file is missing a background check for the borrower (XXXX XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LLC was just form XX/XX/XXXX Note date XX/XX/XXXX.so no background check available. Entity docs in file. Entity in good standing<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Guides require a background check. Company age is not addressed. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093649 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Per the guidelines for interest-only loans with a DSCR Waived **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SLV approved Please downgrade to a XXXX and waive.<br>** <br> **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>** <br> XXXX% LTV. XXXX months of reserves. 3 2 3 2 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093649 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093647 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093647 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The file is missing Fraud Report/Background check for the Borrower, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093647 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093645 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093645 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | A background check is missing for XXXX guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> We do not require XXXX, this was a guideline error and has now been corrected and removed as a required vendor.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan Safe Fraud Tool received is not sufficient as a background check. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> XXXX.XXXX guideline does not require the background check from XXXX. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093645 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The representative credit score used was that of the higher percentage owner of the XXXX making the purchase and not the lower of the XXXX guarantor mid scores. There was an SLV present for this issue; however the SLV is rendered moot because it was conditioned upon an acceptable XXXX. The actual XXXX was below what was required to qualify for the loan program. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SLV to use market rent for XXXX of $XXXX. Revised DSCR is XXXX% and SLV for credit score acceptable.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> SLV to allow market rent for XXXX and to allow short term rental income for XXXX which exceeds the market rent. SLV to allow for rental income from ADU (XXXX) not within zoning. With revised XXXX to use higher credit score is acceptable.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Recalculated DSCR is still too low at .XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver applied. XXXX XXXX%. (Waived)<br>**  |  | Seasoned investor, Mortgage payment history 0x30x24, Reserves $XXXX – 3x the reserve requirement |  | 3 | 2 | 3 | 2 |
| XXXX | 2093645 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance | XXXX | The rental income was not properly calculated resulting in a recalculated DSCR that exceeds allowable tolerance. Per the loan transmittal found in file, the DSCR at origination used was XXXX based upon total rental income calculation of $XXXX. However, the XXXX Guidelines required DSCR for short term rental properties to be calculated on the lesser of Market Rent or actual documented rents received over XXXX months, with no income given for months when no rent was received. Based upon calculation as set out by the Lender's Guidelines the actual rental income was $XXXX, which results in a XXXX and is below the minimum standard for the loan program. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The difference is the rental income are from the following XXXX properties: XXXX was recently acquired and the market rent from the XXXX should be used for rental income. The property at XXXX was also converted from a short term rental property to long term with leases for two of the units being provided. The other XXXX unit are unleased and market rents should be used from the XXXX.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> SLV approved to use market rent of $XXXX on XXXX. Please downgrade to a grade XXXX and waive. Total rental income is $XXXX. DSCR is XXXX%. Please update XXXX. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> SLV to use the short term rental income of XXXX-XXXX. The property consists of a basement apartment and two studio unit, which are rented via short-term rental. The monthly income averaged to $XXXX for the XXXX-XXXX rental units, which are the same property. The XXXX for $XXXX reflects market rents for SFR in the area and not the current rental income of the subject. <br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> SLV to allow market rent for XXXX and to allow short term rental income for XXXX which exceeds the market rent. SLV to allow for rental income from ADU (XXXX) not within zoning.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Regarding XXXX, added the rent from the XXXX leases sent to the two we already had (its a XXXX unit property). This increased the rent for that property to $XXXX, and total rent for all properties to $XXXX. The DSCR for this rent level becomes .XXXX With regards to the property at XXXX, the Property was recently acquired, and no lease was provided. The guidelines state that for a refinance DSCR there are two calculation options. One, for long term leases you can use the lesser of market rent or lease rent. Two, for short term rentals, actual rents/ XXXX months. The guidelines do not give any scenario for a refinance where we can use market rent without a lease. In addition, we do not know how this property is being used. If it is a short term rental, market rent cannot be used period. Finally, its worth noting that even if we use the market rent ($XXXX) still doesn't make the DSCR acceptable. XXXX = XXXX PITIA of XXXX = .XXXX% DSCR, and the guides state that it must be at minimum XXXX for a blanket loan. (upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Recalculated DSCR is still too low at .XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The average Air BNB monthly income of $XXXX is for XXXX-XXXX. (not XXXX.) and is already included in the DSCR calculation. The market rent for XXXX. is $XXXX and has been included in the DSCR. The average Air BNB for XXXX. from the past XXXX months $XXXX /XXXX =$XXXX Please clarify if the SLV request is to allow for short term rental income of $XXXX for XXXX. Please provide supporting documentation that XXXX-XXXX. is one property and not two separate properties. The appraiser reflects the property at XXXX is a XXXX unit with an ADU. The guideline do not allow rental income from an ADU. We would also require an SLV to allow for the use of rental income from an ADU. Additionally, the appraiser for XXXX-XXXX indicates "the current rental of XXXX separate units as short term rentals probably does not comply with zoning regulations". If we use the above AIR BNB income for XXXX, the XXXX will be above XXXX. Please provide SLV's/Waivers and sufficient compensating factors to waive the findings for LTV exceeds, Credit score below the minimum/ Use of higher score, DSCR calculation using higher short term rental income compared to market rent and use of income from ADU which does not comply with zoning regulations. It should also be noted; page XXXX of the Fraud guard is insufficient to clear the background check. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Waiver applied. XXXX XXXX%. (Waived)<br>**  |  | Seasoned investor, Mortgage payment history 0x30x24, Reserves $XXXX – 3x the reserve requirement |  | 3 | 2 | 3 | 2 |
| XXXX | 2093645 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the minimum program eligibility guidelines. The maximum LTV for a blanket loan using the higher credit XXXX for a cash-out refinance is XXXX%. Applying the XXXX% LTV reduction due to more then XXXX% of the properties utilizing short term rental income results in a max LTV of XXXX%. The subject LTV is XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SLV to use market rent for XXXX of $XXXX. Revised DSCR is XXXX% rendering the XXXX% LTV eligible.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please also waive the LTV, XXXX will accept.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Recalculated DSCR is still too low at .XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver has been applied. (Waived)<br>**  |  | Seasoned investor, Mortgage payment history 0x30x24, Reserves $XXXX – 3x the reserve requirement |  | 3 | 2 | 3 | 2 |
| XXXX | 2093645 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The property was a XXXX-XXXX unit multi-family or Single Family Residential Investment and appraisal did not contain the Rent Comparable Schedule For the properties at XXXX-XXXX East XXXX North and XXXX West XXXX North. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093645 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA's and CU score below XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093641 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c)? | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please apply SLV for grade XXXX and waive. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Lender acknowledges with no change in grade EV2. (Acknowledged)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093641 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete / Inaccurate | XXXX | The following section(s) of the Note is incomplete: Missing property addresses. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached, please find the note with exhibit A listing all of the subject properties.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093641 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2093641 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | Finding Added XX/XX/XXXX- Appraisal for Subject property XXXX was not ordered through an AMC. SLV issued to waive to an EV XXXX. (Waived) | Waived |  |  |  | Comp factors - XXXX, XXXX and $XXXX in reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093641 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | Finding Added XX/XX/XXXX- The subject loan does not meet Program Parameters for Financed Properties. The guidelines require the minimum asset value of $XXXX per each property. The following properties do not have a minimum value of $XXXX: XXXX (appraised value $XXXX), XXXX (appraised value $XXXX) and XXXX (appraised value $XXXX) and do not meet the minimum property standards per the matrix. SLV issued to accept properties. (Waived) | Waived |  |  |  | Comp factors - XXXX, XXXX and $XXXX in reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093641 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX which support the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093791 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late / Undated | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application due to the following: There was no application date. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX will accept, please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Lender acknowledges with no change in grade EV2. (Acknowledged)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093791 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | Missing Final Settlement Statement with listing ALL subject property addresses, payoffs, and signed by borrower/guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Executed HUD1 with subject properties listed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093791 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Added XX/XX/XXXX- The XXXX subject appraisals were not ordered through an AMC,as required by the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SLV downgrading to a Grade XXXX and to waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093791 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | Added XX/XX/XXXX- The loan file is missing a loan application for XXXX, XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093791 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required but missing from the loan file for the property located at XXXX Unit A. Rental income receipts were provided; however, a copy of the actual lease is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Fraud Tool received does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093791 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Deficiencies | XXXX | Added XX/XX/XXXX - The title commitment shows major deficiencies. Secure and record a release of satisfaction of judgments, municipal/nuisance/water/sewer liens, transfer inheritance tax, and foreclosure case on title commitment dated XX/XX/XXXX. Listed on Schedule B, Part I numbers #XXXX - XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093791 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value for the properties located at XXXX and XXXX . A CDA dated XX/XX/XXXX for $XXXX was present in the loan file for the property located at XXXX . Therefore, the total cumulative CDA supporting value was $XXXX. The total cumulative appraised values for all XXXX properties is $XXXX. Variance of $XXXX or XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA's for XXXX and XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093651 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | The occupancy affidavit was missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Loan agreement includes Occupancy Statement, XXXX. See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093651 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Program guidelines require a background check to be done on the borrower/guarantor and entity. The loan file did not contain evidence of a Background check for the borrower/guarantor and entity as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Background check in loan docs. See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093651 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093673 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender Acknowledged finding and EV2 Grade<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Lender Acknowledged finding and EV2 Grade (Acknowledged)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093673 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required for each property, however they were incomplete for the following properties: XXXX only page XXXX received, XXXX only page XXXX received, XXXX page XXXX of XXXX received, XXXX Terrace only page XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXXXX only page XXXX of XXXX received, XXXXXX only page XXXX of XXXX received, XXXXXX only page XXXX received, XXXX Bridgewood Crossing only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXX only page XXXX of XXXX received, XXXX SE Highway XXXX page XXXX of XXXX received. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please apply SLV for grade XXXX and waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. $XXXX in reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093673 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Value is not supported within 10%, the loan file was missing a CDA/AVM for the following properties: XXXX, XXXX XXXX., XXXX, XXXX, XXXX., XXXX., XXXX., XXXX., XXXX, XXXXXX., XXXX, XXXX., XXXX., XXXX. The following properties had a CDA included in the loan file: XXXX XXXX, XXXX., XXXX., XXXX., XXXX, XXXXXX., XXXX., XXXXXX., XXXX., and XXXX. The cumulative appraised value of the total XXXX properties is $XXXX, compared to the cumulative CDA value of $XXXX, this results in a variance of -$XXXX or - XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please review CDA's and resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093654 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender Acknowledged finding and EV2 Grade<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Lender Acknowledged finding and EV2 Grade (Acknowledged)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093654 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The subject consisted of XXXX properties. The loan file was missing the appraisals and comparable rent schedules for the properties located at XXXX., XXXX, XXXXXX,XXXX, XXXX, XXXX, XXXX. XXXX, XXXX. and XXXX | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093654 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal report for the property located at XXXX is indicated in the improvements section of page XXXX of the report to be a XXXX unit property; however, the subject rent schedule on page XXXX, along with the sales comparison analysis on page XXXX reflects the subject as a XXXX unit property. The report correcting this data is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please review attached appraisal with number of units corrected.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Corrected appraisal for XXXX received. Documentation is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093654 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. The flood certificate for the property located at XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093654 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. The subject consisted of XXXX properties, with a total of XXXX units. The Lease agreement is required but missing from the loan file for the properties located at XXXX, XXXXW and XXXX. Further, the leases in the loan file for the properties located at XXXX, XXXX., XXXX. XXXX, XXXX, XXXX, XXXXXX., XXXX, XXXX, XXXX-B XXXXE, XXXX-D XXXXE, XXXX, XXXX, XXXX, XXXX, XXXXW, XXXX-XXXX., XXXX-XXXX., XXXXW, XXXXW, XXXXXXW, XXXX, XXXX, XXXXE, XXXX, XXXX., XXXX, XXXX., XXXX. and XXXX XXXX XXXXW, are missing pages XXXX-XXXX. The lease for XXXX-A XXXXE is missing pages XXXX and XXXX-XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX the appraiser notes this to be vacant - apply XXXX% of market rent $XXXX from XXXX. XXXXW - appraiser notes this to be vacant - apply XXXX% of market rent $XXXX from XXXX. XXXX - XXXXE - appraisal notes this to be vacant - apply XXXX% of market rent $XXXX from XXXX for unoccupied /unleased as outlined in guidelines.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX is a XXXX unit property. Per the appraisal photos unit C is vacant. Leases in file are incomplete for Units A, B, and D. As the appraisal indicates unit C is vacant no lease will be available, please apply XXXX% of market rent from XXXX/XXXX for DSCR calculation. For all incomplete leases please apply SLV for grade XXXX and waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Will review in the entirety upon receipt of all leases. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Appraisal provided for XXXX indicates tenant occupied with furniture in photos; therefore, complete lease is required. The leases in the loan file for the properties located at XXXX, XXXX., XXXX. XXXX, XXXX, XXXX, XXXXXX., XXXX, XXXX, XXXX-B XXXXE, XXXX-D XXXXE, XXXX, XXXX, XXXX, XXXX, XXXXW, XXXX-XXXX., XXXX-XXXX., XXXXW, XXXXW, XXXXXXW, XXXX, XXXX, XXXXE, XXXX, XXXX., XXXX, XXXX., XXXX. and XXXX XXXX XXXXW, are still missing pages XXXX-XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. $XXXX in reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093654 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value for the properties located at XXXX, XXXXXXX, XXXX and XXXXXX . The CDA's for the remaining properties were present in the loan file reflecting a total cumulative CDA supporting value of $XXXX. The total cumulative appraised values for all XXXX properties is $XXXX. Variance of $XXXX or XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please review CDA for XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All XXXX remaining CDA's received. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093650 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093650 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093650 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093617 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c)?. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Accepting grade XXXX, please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Appraisal Review provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2093617 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The following appraisal were not completed/ordered through an AMC: XXXX, and XXXX #XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All of the appraisals were ordered through the same AMC and completed by the same appraisal company. The appraisal noted do not reflect the AMC, but show the same appraisal company as the other XXXX appraisals; which looks to be an oversite. Please review and clear. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093617 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file is missing the following items to verify the business entity: Certificate of formation, operating agreement and certificate of good standing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093617 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing CDA's for the following properties: XXXX, and XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Still missing CDA for XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093653 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). The Lender acknowledges with no change in grade EV2. (Acknowledged). | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093653 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: PUD Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loansafe Fraud Report provided in rebuttal does not address defect. A PUD rider is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093653 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Per program guidelines, Appraisals must be ordered by the lender through a state licensed XXXX (AMC). The appraisal in the loan file was not ordered by an AMC. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Apply SLV for grade XXXX and waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093653 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITIA were not verified in the file. Since the DSCR on the subject loan is XXXX, which requires XXXX months of reserves. The total amount of reserves plus cash to close is $XXXX, the loan file contained assets in the amount of $XXXX, which is $XXXX short of the required amount. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093653 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | Per program guidelines, a clear OFAC report is required for all individuals with XXXX% or more ownership of the entity. A clear OFAC report for the second member of the LLC who is a XXXX% owner is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is OFAC for other member. Please resolved.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093653 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Per program guidelines, a minimum XXXX is required for refinance transaction. The subject loan closed with a XXXX, which is below the minimum. Market rent on the appraisal is $XXXX/XXXX compared to the PITIA of $XXXX = XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> SLV uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> SLV request provided; however, actual SLV is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> SLV granted by Investor. (Waived)<br>**  |  | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093653 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093653 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required but missing from the loan file. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Informed from Lender that no lease is available. Please review loan as unoccupied, and modify reserve requirement (adding XXXX more months) and add issue for the LTV has it needs to be reduction of XXXX%. Please void this issue.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Defect voided. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093653 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV was XXXX%. The maximum LTV allowed was XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please review SLV for grade XXXX and waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> SLV request provided; however, actual SLV is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> SLV granted by Investor. (Waived)<br>**  |  | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093653 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096197 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096197 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096197 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated from XX/XX/XXXX - XX/XX/XXXX, which supports the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093638 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please complete secondary review of finding and determine to be informational only<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093638 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The minimum DSCR for the subject is XXXX. The subject XXXX (Rent of $XXXX / XXXX $XXXX = XXXX); therefore, the DSCR doe snot meet the minimum required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> The attached exception letter covers the LTV/XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Loan offer received does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Experienced Investor. XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093638 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required but missing from the loan file for the property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached lease agreement for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093638 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the minimum program eligibility guidelines. The maximum LTV/LTC allowed for a XXXX and XXXX is XXXX%. The subject consisted of XXXX properties cross collateralized. XXXX of the XXXX properties were seasoned greater than XXXX months; therefore, the appraised value was used for those 4 (XXXX = $XXXX, XXXX = $XXXX, XXXX = $XXXX and XXXX = $XXXX). The remaining XXXX properties were purchased within XXXX months of the subject transaction and are subject to the LTC calculation. The loan file did not contain any evidence of renovation costs incurred; therefore, the following was included in the LTC calculation for both properties: purchase price + acquisition closing costs + soft costs including $XXXX for property acquisition + XXXX% of the purchase price as an allocation for cost of capital & carry during the stabilization period. (XXXX = $XXXX and XXXX. = $XXXX) The total cumulative qualifying value is $XXXX. The subject LTV/LTC is XXXX% which exceeds the maximum allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The remaining XXXX properties purchased within the last XXXX months are not subject to LTC calculation. Per XXXX guidelines LTC is for properties owned < XXXX months. Please recalculate the LTV using the appraised values. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Exception uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Page XXXX of the guide indicates that loans must be seasoned more than XXXX months to not be restrained by Loan to Cost restrictions. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Experienced Investor. XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093638 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093648 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Accepting a grade XXXX, XXXX to advise<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Please downgrade to XXXX-ECOA- Grade XXXX After a secondary review the finding has been determined to be informational only.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The HUD provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Lender acknowledges with no change in grade EV2. (Acknowledged)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093648 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: XXXX, MDIA, XXXX, XXXX, QM DTI Threshold, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093648 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The subject transaction consists of XXXX cross collateralized properties. All of the appraisals for all of the properties were not ordered through a state licensed Appraisal management Company (AMC) as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SLV, please downgrade to a grade XXXX and waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093648 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The guidelines require a third party rent estimate for vacant properties. The third party rent estimate is required but missing from the loan file for the properties located at XXXX, XXXX, XXXX, XXXX and XXXX, which are vacant, Further, the guidelines require a third party rent estimate when a single appraiser appraises more than XXXX of XXXX properties. The subject consisted of XXXX properties, all appraised by the same appraiser; however, a third party rent estimate is not present in the loan file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093648 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The guidelines indicated that Trusts or LLCs whose members include other LLCs, corporations, partnerships, or trusts are considered ineligible borrowers. The subject's borrower is XXXX which is XXXX% owned by XXXX. Therefore, the borrower is not an eligible borrower. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SLV, please downgrade to a grade XXXX and waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093648 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The guidelines require an application complete with the following information: Loan amount and terms, Subject and primary residence property address, type of property and number of units, Entity name and address (if applicable), Borrower/guarantor(s) information including: social security number, HMDA information (natural borrower or business entity as applicable, not required for guarantors), date of birth, address and authorization to pull credit. The loan file does not contain a loan application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093648 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The AVM did not support the value within a 10% variance, confident score was below XXXX, or there was no hit. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. The CDA for the property located at XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093655 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Accepting a grade XXXX, please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The HUD and Application provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Lender acknowledges with no change in grade EV2. (Acknowledged)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093655 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: XXXX, MDIA, XXXX, XXXX, QM DTI Threshold, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093655 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Per guidelines Appraisals must be ordered by the lender through a state licensed XXXX (AMC). None of the XXXX included appraisal were ordered through a state licensed AMC. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SLV, downgrade to a grade XXXX and waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093655 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Per program guidelines: A single appraiser cannot be used for more than XXXX out of every XXXX consecutive valuations in any specific county or for any one borrower/guarantor, managing member, or other related party with the exception of blanket/multi-property loan transactions which will also require a third party rent estimate for each property with the same appraiser. The same appraiser was utilized for all XXXX properties and no evidence of a third party rent estimate was in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> SLV, please downgrade to a grade XXXX and waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX for XXXX had a confidence score of XXXX%. Rent of $XXXX per month was used to qualify for XXXX; however, XXXX confirmed rent estimate of $XXXX per month. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093655 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The guidelines indicated that Trusts or LLCs whose members include other LLCs, corporations, partnerships, or trusts are considered ineligible borrowers. The subject's borrower is XXXX which is XXXX% owned by XXXX. Therefore, the borrower is not an eligible borrower. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SLV, downgrade to a grade XXXX and waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093655 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093655 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is incomplete/missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093655 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file is a cross collateralized loan containing a separate CDA for each appraisal XXXX/XXXX and XXXX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093631 | 1 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Accepting grade XXXX, please waive<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Please clear the Notice of appraisal as a grade XXXX/informational. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The HUD provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Lender acknowledges with no change in grade EV2. (Acknowledged)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> After a secondary review the finding has been determined to be informational only.<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093631 | 2 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | The property address on the Assignments of Rents and other agreements is inconsistent with the Appraisal and final approval provided in the loan file. The correct address is XXXX, the assignments of Rents and other agreements reflects property address as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Assignment of Rents and other affidavits is a recorded document. Evidence a Scriveners Affidavit detailing the correction along with the Loan Modification Agreement provided have been recorded or sent for recording is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093631 | 3 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | The property address on the Business Purpose and Occupancy Affidavit is inconsistent with the Appraisal and final approval provided in the loan file. The correct address is XXXX, the Business Purpose and Occupancy Affidavit reflects property address as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093631 | 4 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: XXXX, MDIA, XXXX, XXXX, QM DTI Threshold, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. Final HUD reflects correct address XXXX. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093631 | 5 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Address Discrepancy | XXXX | The property address on the Note is inconsistent with the Appraisal and final approval provided in the loan file. The correct address is XXXX, the Note reflects property address as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093631 | 6 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Property Address Discrepancy | XXXX | The property address on the Note is inconsistent with the Appraisal and final approval provided in the loan file. The correct address is XXXX, the Note reflects property address as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Mortgage is a recorded document. Evidence a Scriveners Affidavit detailing the correction along with the Loan Modification Agreement provided have been recorded or sent for recording is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093631 | 7 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The subject transaction consists of XXXX cross collateralized properties. All of the appraisals for all of the properties were not ordered through a state licensed Appraisal management Company (AMC) as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SLV, please downgrade to a grade XXXX and advise.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093631 | 8 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The guidelines require a third party rent estimate for vacant properties. The third party rent estimate is required but missing from the loan file for the properties located at XXXX, XXXX, XXXX and XXXX, which are vacant, Further, the guidelines require a third party rent estimate when a single appraiser appraises more than XXXX of XXXX properties. The subject consisted of XXXX properties, all appraised by the same appraiser; however, a third party rent estimate is not present in the loan file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093631 | 9 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The guidelines indicated that Trusts or LLCs whose members include other LLCs, corporations, partnerships, or trusts are considered ineligible borrowers. The subject's borrower is XXXX which is XXXX% owned by XXXX. Therefore, the borrower is not an eligible borrower. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SLV, please downgrade to a grade XXXX and advise.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093631 | 10 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The guidelines require an application complete with the following information: Loan amount and terms, Subject and primary residence property address, type of property and number of units, Entity name and address (if applicable), Borrower/guarantor(s) information including: social security number, HMDA information (natural borrower or business entity as applicable, not required for guarantors), date of birth, address and authorization to pull credit. The loan file does not contain a loan application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093631 | 11 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required but missing from the loan file for the property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093631 | 12 of 12 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The XXXX, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093674 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093674 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Missing background check requirement per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX guides do not require a background check.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093674 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the minimum program eligibility guidelines. LTVs must be reduced by XXXX% for loans in XXXX. Max LTV is XXXX% and LTV is currently XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> New guidelines provided dated XX/XX/XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093674 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093620 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093620 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The guidelines require a Comparable rent survey or appraisal rent addendum for each property; however, the loan file does not contain a Comparable rent survey or appraisal rent addendum for any of the properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please review attached market rents.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Word Doc received is not a Rent Schedule. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093620 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CDA's Provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Document received is digitized. No information available. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> CDA's for all properties provided and support each individual property and total appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093658 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093658 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093658 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The AVM did not support the value within a 10% variance, confident score was below XXXX, or there was no hit. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The guides for XXXX do not require a third party review for all appraisals. There is nothing in the guides that state a third party review is required when Value is not supported within 10% of original appraisal amount. It is at their discretion and there is nothing in the file stating it was required for this loan. Please see page XXXX of their guides section XXXX) Valuations. Thank you<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> CDA's Provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> A secondary valuation product is required by the rating agencies. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Document received is digitized. No information available. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> CDA's for all properties provided and support each individualproperty and total appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093660 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093660 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The borrower is required to evidence closing funds in the amount of $XXXX plus an additional XXXX months of escrows in the amount of $XXXX for a total cash to close amount of $XXXX. The loan file contained no evidence of any asset statements to support the required amount of funds needed for closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please review attached XXXX statements. Also adjust number of months reserves on XXXX to XXXX, per guidelines, less than XXXX% vacancy XXXX months required.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Per the Seller, Vacancies are on the appraisals. The provided leases are dated after, which the additional XXXX months is not required. Please resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Vacancy is XXXX%. XXXX months reserves required. Assets provided are not sufficient. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093660 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file is missing the required background check for the guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please review attached Background Check and OFAC for XXXX and resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093660 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The AVM did not support the value within a 10% variance, confident score was below XXXX, or there was no hit. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CDA's Provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Document received is digitized. No information available. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> CDA's for all properties provided and support each individualproperty and total appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093615 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093615 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093615 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The loan was underwritten under XXXX guidelines. Their guidelines do not require a third party review for appraisals. It is at their discretion to require an additional collateral valuation to support the quality and/or value of the original appraisal. Please see attached a copy of page XXXX section (XXXX of their guidelines.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> CDA's Provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Secondary valuation product is required by the Rating Agencies. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Document received is digitized with no information available. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> CDA's for all properties provided and support each individualproperty and total appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093663 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093663 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal for XXXXXX is cut off at the bottom and missing information and the comparable rent schedule is not present in the loan file; therefore, the full appraisal cannot be reviewed. Furthermore, the comparable rent schedule for the properties located at XXXXXX and XXXX are also not present in the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please review the attached PDF appraisal for XXXXXX and resolve.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is digitized. No information available. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Still missing rent schedules for XXXXXX, XXXXXX and, XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093663 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the minimum program eligibility guidelines. The guidelines indicate a maximum LTV of XXXX% if more than XXXX% of the properties are vacant. The subject consisted of XXXX cross collateralized properties, of which XXXX are vacant which is the equivalent of XXXX% vacant. The subject loan closed with an LTV of XXXX%, which exceeds the maximum of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per the lender approval in the file. Page XXXX, XXXX and Liquidity section Occupancy Rate is XXXX%, the lender accepted the lease for XXXX and XXXXXX (Month To Month) - however due to the appraisal indicating as vacant - it should be considered vacant. Use of leases is permitted in Guidelines, page XXXX, XXXX - FACo Credit Decision Logic - Leasing status. Vacancy should be XXXX%, with XXXX the maximum LTV for Cash out refinance is XXXX%. Please resolve.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Per the Seller response: XXXX had an appraisal completed XX/XX/XXXX and the lease started XX/XX/XXXX. Property was only vacant at time of appraisal and is no longer vacant. This puts the vacancy rate within XXXX% and is not an exception<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please review attached lease for XXXX and resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Appraisals for both properties reflect vacant and photos confirm the properties are empty. Finding stands. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Please provide the lease for XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093663 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CDA's Provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Document received is digitized. No information available. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> CDA's for all properties provided and support each individualproperty and total appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093639 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late / Undated | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093639 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines. Lease agreement is required but missing from the loan file for the following occupied property: XXXX, XXXX, XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093639 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093621 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093621 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093621 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093661 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. The ALTA statement provided in the loan file was missing all property addresses. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Alta Statement and Exhibit A<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttaldoes not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Exhibit A provided is part of the Title Commitment and can not be used in lieu of a HUD addendum provided to the borrower listing all properties included in the loan. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093661 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check for Guarantor #XXXX and Guarantor #XXXX are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093661 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The business entity is required to consist of natural person members as per program guidelines. The business entity on the subject loan, is owned by two separate LLCs which are in turn owned by the guarantors. it should be noted an exception was granted by the lender for this issue. (Waived) | Waived |  |  |  | Comp factors - XXXX, XXXX, LTV XXXX% and $XXXX in reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093661 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value for the following properties: XXXX UNIT #XXXX, XXXX UNIT #XXXX, XXXX UNIT #XXXX & XXXX UNIT #XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All UCDP's received are blank. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093659 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093659 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The required background check is missing from the loan file for Borrower #XXXX and Borrower #XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Litigation and judgement searches provided. Lien searches still missing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093659 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The business entity is required to consist of natural person members as per program guidelines. The business entity on the subject loan, is owned by two separate LLCs which are in turn owned by the guarantors. it should be noted an exception was granted by the lender for this issue. (Waived) | Waived |  |  |  | Comp factors - XXXX, XXXX, LTV XXXX% and $XXXX reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093659 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value for the following XXXX properties: XXXX, Unit #XXXX & XXXX, Unit #XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UCDP with CU score provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> UCDP with CU score of XXXX provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093632 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | The Notice of Right to Receive Copy of Appraisal is missing from the file, and there is no other evidence in the file that the borrower was provided a notice of his/her right to obtain a copy of the appraisal. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.1. Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093632 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check for the borrowing entity known as XXXX, is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Loan Safe received. Still missing all judgement, lien, and litigation searches. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Still missing judgement, lien, and litigation searches for both Guarantors. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Referenced documentation not received. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093632 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Per program guidelines, Blanket loan require a XXXX. The subject loan closed with a XXXX. (Rent of $XXXX / PITIA of $XXXX = XXXX | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Please waive for a level XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation provided pertains to someone other than the borrower for the remaining XXXX findings. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Referenced DSCR worksheet not received. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> DSCR worksheet received. The qualifying P&I used at origination was not based upon the fully amortized payment, as required. As a result, XXXX overall. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093632 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Per guidelines if >XXXX% of the properties included in the blanket have individual XXXX and XXXX, then the maximum LTV must be reduced by XXXX%. The maximum LTV per the blanket matrix for a cash-out refinance is XXXX%. Since XXXX% of the included properties have a XXXX and XXXX, the reduced maximum LTV is XXXX%. The subject loan closed with an LTV of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Please waive for a level XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Currently XXXX properties have a DSCR between .XXXX and .XXXX. Please provided referenced DSCR worksheet. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> DSCR worksheet received. The qualifying P&I used at origination was not based upon the fully amortized payment, as required. As a result, recalculated XXXX of the XXXX properties is between .XXXX and .XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093632 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Escrow impounds were not collected at closing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please waive for a level XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Awaiting referenced documentation to be provided. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093632 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated from XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093681 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093681 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093681 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Per guidelines, one comparable must be within XXXX mile of the subject property with limited net adjustments unless otherwise approved by XXXX. All comps are over XXXX mile from the subject property. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please apply a level XXXX waiver<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093681 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093681 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application for borrower XXXX is missing as required by guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093681 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093676 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093676 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093676 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093682 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093682 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines, the minimum XXXX. The subject DSCR is calculated at .XXXX using XXXX% of market rent due to the property being vacant. XXXX (XXXX% of market rent) / $XXXX (PITIA) = .XXXX | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive for XXXX grade, thank you!<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093682 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093680 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093680 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093680 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093675 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093675 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093675 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093697 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Mortgage Rider is missing: Business Purpose Rider. Please provide the executed rider and a revised mortgage document, which includes the necessary corrections on page XXXX. The borrower is required to initial the changes made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Business Purpose Rider has been provided. Please provide the updated Mortgage making he Business Purpose rider part of the Mortgage in Section F, the borrower must initial all manual changes. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093697 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | The borrower(s) does not meet the minimum trade line requirements to meet Investor guidelines. An SLV was submitted to allow two tradelines with XXXX months of mortgage history reporting when the guidelines require XXXX. (waived) | Waived |  |  |  | Compensating Factors: XXXX% LTV, greater than 155k reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2093697 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093704 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing Business Purpose Rider. The Lender utilized the Fannie Mae/XXXX uniform instrument, and the loan was a Business Purpose Loan, a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document, which included the necessary corrections on page XXXX, The borrower is required to initial the changes made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Business Purpose Rider has been provided. Please provide the updated Mortgage making he Business Purpose rider part of the Mortgage in Section F, the borrower must initial all manual changes. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093704 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a SLV to allow two tradelines with XXXX months of mortgage history reporting when the guidelines require XXXX. Compensating factors deem non-material. (Waived) | Waived |  |  |  | Compensating Factors: XXXX months reserves, Experienced Investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093704 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA UCDP dated XX/XX/XXXX with a CU XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093689 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093689 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is inaccurate: The loan is a XXXX-year fixed rate with a XXXX-year interest-only option, loan amount of $XXXX and an interest rate of XXXX%. According to calculations, the interest only payment should be $XXXX, however the Note indicates that the interest only payment amount is $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs upheld.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Background report provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 2 | 2 |
| XXXX | 2093689 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the XXXX passed the OFAC screening process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 2 | 2 |
| XXXX | 2093689 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check is missing from the loan file for the borrowing entity. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Client requested waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Loan Safe received. Still missing entity background search. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client requested waive based on compensatingfactors. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 2 | 2 |
| XXXX | 2093689 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Subject transaction is a cash-out refinance. Per the guidelines, if a lease and evidence rent was collected for the last XXXX months has not been provided, then the maximum LTV of XXXX% must be reduced by XXXX% to XXXX% LTV. The properties located at XXXX and XXXX are both vacant as per the appraisal. The subject loan closed with an LTV of XXXX% which is above the maximum allowed of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception granted, please waive and downgrade to a grade XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 2 | 2 |
| XXXX | 2093689 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX & XX/XX/XXXX, which supports the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093705 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Business Purpose rider provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093705 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Business Loan Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093705 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093705 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093700 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Appraiial Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093700 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Business Loan Rider.The following referenced Rider is missing Business Purpose Rider. The Lender utilized the Fannie Mae/XXXX uniform instrument, and the loan was a Business Purpose Loan, a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document, which included the necessary corrections on page XXXX. The borrower is required to initial the changes made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Business Purpose rider has been provided, The Mortgage with he corrections made to include the Business Purpose rider are required, the borrower must initial the corrections. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Business Purpose rider has been provided, The Mortgage with he corrections made to include the Business Purpose rider are required, the borrower must initial the corrections. (Upheld<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093700 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The loan file is missing the appraisal with all addendums including Comparable Rent Schedule (form XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093700 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Subject loan is a condominium. The file is missing the Master Insurance Policy and the Condo Questionnaire. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093700 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The loan file is missing the credit report. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093700 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The subject property was purchased < XXXX months from the application date. The loan file does not contain the required copy of the original HUD-XXXX/ Final CD from purchase or documented rehab costs supported by paid work receipts. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Renovation documentation is not complete. An invoice with charges and payments was provided reflecting the original estimate and XXXX additional work estimates in lump sum. Only additional work estimate #XXXX was provided with a detailed material and cost breakdown. The material and cost breakdown for the original estimate and additional work estimates XXXX, XXXX, and XXXX were not provided. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093700 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093700 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The HO6 insurance policy provided reflects loss of use coverage in the amount of $XXXX. Monthly mortgage payments are $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Loss of use is still reflected as $XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> To clarify, rent is $XXXX per month. XXXX months rent loss would be $XXXX. Rent loss on the policy is only $XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> After further Review XXXX do not specify # of months of rent loss required but that the client just has to have rent loss. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093700 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an CDA or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Snip of CDA received. Unable to waive as this is a securitization. Please provide the complete CDA. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093702 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The appraisal report disclosure issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093702 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX of XXXX contained handwritten edits that were not initialed by the Mortgagor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The Rental Agreements provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093702 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. The loan file is missing the Flood Certificate for the following properties: XXXX and XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093702 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. The lease is missing for the property located at XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093702 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file is missing the CDAs for the following properties: XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093703 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093703 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan is approved with a XXXX interest only term; however, XXXX) discloses the interest only installment as a principal and interest installment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The CDA Report provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093703 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX of XXXX contained handwritten edits that were not initialed by the Mortgagor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The CDA Report provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093703 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. The following properties are missing the flood certificate: XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093703 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. The following properties are missing the required lease: XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093703 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file is missing the CDA for the following properties: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093696 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093696 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX of XXXX contained handwritten edits that were not initialed by the Mortgagor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The Operating Agreement provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093696 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093696 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096199 | 1 of 11 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: The Prepayment addendum signed by borrower has N/A for percentage of the prepayment penalty; however the final CD show there is a Prepayment penalty. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Safe report provided does not address the finding. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The POA provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The POA provided in rebuttal does not address defect. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The PPP to the Note has not been executed by the borrower. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 2 of 11 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Loan Term Discrepancy | XXXX | The loan term on the Security Instrument (Mortgage/Deed of Trust) is inconsistent with the CD. The Prepayment rider signed by borrower has N/A for percentage of the prepayment penalty; however the final CD show there is a Prepayment penalty. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Safe report provided does not address the finding. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The POA provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The POA provided in rebuttal does not address defect. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The PPP to the Note has not been executed by the borrower. An updated PPP rider to the Mortgage has not been provided. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 3 of 11 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Power of Attorney Missing | XXXX | There is an individual on the Security Instrument who signed as an agent under a Power of Attorney but the Power of Attorney is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see POA<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Safe report provided does not address the finding. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Durable Power of Attorney provided in not complete. The information under section1 and XXXX is blank. Also, XXXX states a true and correct copy of the Power of Attorney will be attached, it has not been provided. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 4 of 11 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The final loan application reflects the borrower is using XXXXXXXX asset accounts to cover the $XXXX for required assets and reserves, however, the loan file is missing all asset documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 5 of 11 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per guidelines, a complete background search including, lien/judgment search on the borrower/guarantor is required. The loan file is missing the complete background search on the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Loan Safe received. Still missing judgement and lien search. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Background check provided does not contain a judgement and lien search. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 6 of 11 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 7 of 11 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing the subject hazard insurance policy reflecting sufficient coverage/replacement cost. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Please apply a waiver<br>Rebuttal 6 (XX/XX/XXXX XX:XXAM)<br> Client requested waiver.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The verbiage "Rent Loss" or "Loss of Use" does not appear on the policy as a covered item. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Rent Loss is still missing. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Document provided is a quote. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> New policy with rent loss coverage was effective as of XX/XX/XXXX, which was after the Note. It should be noted the subject had coverage up to the new policy effective date encompassing the Note date, which was insufficient. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXAM)<br> Client requested waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2096199 | 8 of 11 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The appraisal on file reflects that property is currently occupied with an active lease for $XXXX monthly, however, the subject lease agreement is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The monthly dollar amount of rent is missing from the lease provided. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 9 of 11 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The loan file is missing XXXX month mortgage history with the private mortgage held on the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 10 of 11 | XXXX | XXXX | XXXX | XXXX | Credit | Note - Inaccurate | XXXX | The note and deed reflect a prepay penalty addendum with no penalty, however, the final Closing Disclosure reflects a yes for a prepay penalty. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The seller is requesting if you could please review prior to escalation. Please see attached corrected PPA.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> This exceeds the maximum penalty for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096199 | 11 of 11 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093693 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093693 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093693 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093711 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093711 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines for vacant properties with a XXXX and XXXX, the maximum LTV is XXXX%. The loan file is structured at XXXX% LTV which is outside of guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please apply a waiver<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093711 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093715 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: The Note references a Loan Agreement; however, the Loan Agreement was missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Loan Agreement has been provided, however; the Loan Agreement is not signed by the lender on pg. XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093715 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Mortgage Rider is missing: Business Purpose Rider. The Lender utilized Fannie Mae/XXXX documents and therefore a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document, which includes the necessary corrections on page XXXX. The borrower is required to initial the changes made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The XXXX-XXXX family rider can not be used in lieu of the Business Purpose rider. When the FNMA/FHLMC residential documentation set is used, a Business Loan rider is required. This loan used FNMA/FHLMC documentation set. A Business Loan Rider is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Loan Agreement provided does not address the defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to fully clear the finding. A Business Purpose Rider has been provided. However a revised mortgage document, which includes the necessary corrections on page XXXX is still required. The borrower is required to initial the changes made. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093715 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing the third-party background check/ fraud detection report including OFAC as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093715 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093717 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093717 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a SLV for not having the documentation of actual cost/renovation costs to meet flipping requirement guidelines. Compensating factors deem non-material. (Waived) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> There is no exception on the file. (Resolved)<br>**  |  |  |  | 2 | 1 | 1 | 1 |
| XXXX | 2093717 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second full appraisal dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093698 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal Report Disclosure issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093698 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX of XXXX contained handwritten edits that were not initialed by the Mortgagor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The XXXX report provided does not address the finding. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093698 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraised value of the property located at XXXX was supported with a XXXX. Investor requires a XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive for XXXX grade, thank you!<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093698 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093713 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. The Settlement Statement provided in the loan file is missing the property addresses. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093713 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093713 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093707 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093707 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The program guidelines require all properties to be under XXXX acres in size. The property located at XXXX is a XXXX acre property as per the appraisal. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please waive for XXXX grade, thank you!<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Appraisal for XXXX does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093707 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096198 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096198 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. Per guidelines, a complete background search including, lien/judgment search on both borrowers/guarantors is required. The loan file is missing a lien and judgment search for both borrowers. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096198 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096200 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096200 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The borrower was required to provide documentation supporting assets totaling $XXXX, which included total cash to close in the amount of $XXXX, and XXXX-months reserves for the subject property in the amount of $XXXX. The loan file did not contain any asset documentation supporting the required assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Complete statements were not provided. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2096200 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2096201 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096201 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The following referenced Rider is missing Business Purpose Rider. The Lender utilized the Fannie Mae/XXXX uniform instrument, and the loan was a Business Purpose Loan, a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document, which included the necessary corrections on page XXXX. The borrower is required to initial the changes made. Additionally, evidence the mortgage was re-recorded is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Business Cert and Loan agreement provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. An unexecuted Mortgage without the correction on pg. XXXX initialed by the borrowers or evidence of re-recording have not been provided. Please provide the executed rider and a revised mortgage document, which included the necessary corrections on page XXXX. The borrower is required to initial the changes made. Additionally, evidence the mortgage was re-recorded is required. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096201 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for the XXXX on an inexperienced borrower. Deemed non-material based on compensating factors. (Waived) | Waived |  |  |  | Compensating factors - XXXX months of post closing reserves and XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2096201 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093714 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093714 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The appraisal is missing from the loan file which would include the rent schedule form XXXX. Due to the missing rent schedule, the audit DSCR is unable to be accurately calculated. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see uploaded appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093714 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Per guidelines on condominiums, a master condo insurance policy is required. The loan file is missing the master condo insurance policy on the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093714 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an SLV due to a non-arms length transaction exists whenever there is a personal or business relationship with any party to the transaction. Deemed non-material due to compensating factors (waived) | Waived |  |  |  | Compensating Factors: XXXX, XXXX months reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093714 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093745 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093745 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file contains a SLV for not meeting the XXXX month minimum reserve requirement. Compensating factors deem non-material. (waived). | Waived |  |  |  | Compensating Factors: XXXX, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2093745 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a SLV for not meeting the minimum DSCR for an I/O payment at XXXX% LTV. The current XXXX, the required XXXX. Compensating Factors deem non-material. (waived). | Waived |  |  |  | Compensating Factors: Fico XXXX, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2093745 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093745 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No valuation products in file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093712 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093712 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093712 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093741 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Trust Missing | XXXX | Title to the Property is held in Trust, but the Trust Document is missing. Unable to determine if signatures on Note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Trust documents have not been provided to determine if the signatures are accurate. Provide Trust documents for review. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Trust documents provided do not match the signature lines on the Note. The date of the trust is incorrect on the Note. Provide a new fully executed Note with the changes made to correct the date or manually change the date on the Note with the changes initialed by the borrowers. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093741 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Business Purpose Rider was not executed by both Borrowers. In addition, the printed names were not included below the signature lines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Business Purpose Rider provided has the borrower printed name under the signature line; however the co-borrower is also required to sign the rider. Provide a Business Loan Rider signed by both borrowers and evidence the document has been recorded. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Trust documents provided does not address the defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093741 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Trust Missing | XXXX | Title to the Property is held in a Trust, but the Trust Document is missing. Unable to determine if signatures on the Security Instrument are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Trust documents have not been provided to determine if the signatures are accurate. Provide Trust documents for review. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Trust documents provided do not match the signature lines on the Mortgage. The date of the trust is incorrect on the Mortgage. Provide a new fully executed Mortgage and all riders with the changes made to correct the date or manually change the date on the Note with the changes initialed by the borrowers. Evidence the documents have been re-recorded is required. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The new fully executed Mortgage and all riders with the changes made to correct the date of the trust has been provided, reviewed and acceptable. Evidence the documents have been re-recorded is required. (Upheld<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093741 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093741 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093739 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093739 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093739 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093734 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093734 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093734 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093736 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093736 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093736 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093722 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093722 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093722 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093723 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093723 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093723 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093720 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2093720 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Initial Application - Missing | XXXX | The Initial application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2093720 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2093743 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093743 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a SLV for high-level and red flag alerts for the criminal activity reporting on the XXXX report not being cleared. Compensating factors deem non-material. (waived) | Waived |  |  |  | Compensating Factors: FICO XXXX, XXXX months reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2093743 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093732 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lender signature on page XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093732 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - Missing | XXXX | The loan file contains copy of EMD check along with the bank statement showing that it cleared the bank. EMD funds did not come from the borrower's account; however, no gift letter was provided. Without EMD funds borrower does not have sufficient assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093732 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093783 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Deed of Trust) is incomplete: The business loan rider was not signed by the borrower and guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please waive<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The Assignment of Mortgage provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Client to Provide documents/response when issued. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093783 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented. Lease agreement is required but missing from the loan file for the property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093783 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Lender SLV in file for borrower not having a Mortgage reporting within the previous XXXX months. Deemed non-material based on compensating factors. (Waived) | Waived |  |  |  | Compensating Factors - XXXX and XXXX months of reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093783 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU XXXX for each included property. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093740 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093740 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain the required condo documentation (Master HOI, Condo Questionnaire). Additional findings may apply upon review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093740 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per lease requirement guidelines, leases with a purchase option are not permitted. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Lease is only right of first refusal if landlord elects to sell the property in the future. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093740 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Purpose | XXXX | The subject was a cash-out refinance in which a $XXXX tax lien was paid off with proceeds. Guidelines do not allow tax liens to be paid off with proceeds. (Upheld) | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093740 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096204 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096204 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096204 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096202 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section was missing. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This isn't required on DSCR.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Business purpose loans are not exempt from HMDA reporting unless the borrower is an entity and not a natural person. Per 1003.3(c)(10), a closed-end mortgage loan that will be made primarily for a business or commercial purpose is exempt, unless it is a home improvement loan under § 1003.2(i), a home purchase loan under § 1003.2(j), or a refinancing under § 1003.2(p). This loan falls under home purchase and borrower is a natural person. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. Unable to determine if the HMDA provided is for borrower. Pease provide entire document for review. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2096202 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2096202 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093738 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093738 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093738 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096205 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096205 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096205 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093742 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093742 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Aged > 120 days | XXXX | The appraisal is dated XX/XX/XXXX with a note date of XX/XX/XXXX (XXXX days) which is > XXXX days at the time of closing. Investor guidelines do not allow for a Form 1004D and specifically state a new full appraisal is required for loans where the appraisal effective date is greater than XXXX days. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Client requested waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Client requested waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and experienced investor. |  | 3 | 2 | 2 | 2 |
| XXXX | 2093742 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093754 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093754 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093754 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096207 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096207 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The Note lists a monthly payment of $XXXX however with accrual method of Actual/XXXX the monthly payment should be $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Mortgage provided in rebuttal does not addressdefect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096207 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Deed of Trust) is incomplete: The business loan rider was not signed by the borrower and guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please Acknowledge.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client to Provide documents/response when issued. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096207 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The business purpose affidavit was missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096207 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Lender SLV in file for borrower not having a Mortgage reporting within the previous XXXX months. Deemed non-material based on compensating factors. (Waived) | Waived |  |  |  | Compensating factors - XXXX and XXXX months of reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2096207 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU XXXX for each included property. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093765 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093765 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Deed of Trust) is incomplete: The business loan rider was not signed by the borrower and guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please Acknowledge.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client to provide documents/response when issued. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093765 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan file is missing the lease agreement for the property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093765 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Lender SLV in file for borrower not having a Mortgage reporting within the previous XXXX months. Deemed non-material based on compensating factors. (Waived) | Waived |  |  |  | Compensating factors - XXXX and XXXX months of reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093765 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU XXXX for each included property. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093752 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093752 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. The loan file contained an addendum to the purchase agreement; however, it did not contain the original sales contract. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093752 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX and XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093778 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093778 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093778 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093751 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093751 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093751 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The property located at XXXX is located in the city of XXXX. Please have the Appraisal and CDA corrected. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The APN / Legal Description matches. The issue here is the Legal address XXXX but the mailingaddress is XXXX. From the look of it/ the appraiser tried to note this by putting theneighborhood name as "XXXX".<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093751 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093789 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093789 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX as it was not signed, stamped or certified, or marked Final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Agreement provided is not applicable to the finding cited. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2093789 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093789 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Per program guidelines, the minimum square footage for a single family residence is XXXX square feet. The following XXXX properties each consist of single family residences below the minimum: XXXX. ft.) and XXXX (XXXX. ft.). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093789 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA for the property located at XXXX, XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093770 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093770 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Appraisal Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093770 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093770 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093768 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093768 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093768 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093753 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093753 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The Final Application indicates the Borrower/Guarantor citizenship as Permanent Resident Alien status, however, the loan file is missing a copy of the Borrower/Guarantor(s) Permanent Resident Alien Card. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093753 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093769 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced XXXX is missing: Exhibit "A" is missing the legal description of the property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093769 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The appraisal reflects the property is currently occupied by a tenant and rented for $XXXX per month, however, the lease agreement is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see uploaded lease<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093769 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093759 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the borrower's initials. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093759 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | XXXX completed reflecting a declared disaster after appraisal date. FEMA Declaration declared XX/XX/XXXX for XXXX Severe Storms, Straight-line Winds, Tornadoes, and Flooding (DR-XXXX-XXXX) with an incident date of XX/XX/XXXX and continuing which is after original appraisal dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please provide Property Inspection to confirm no damage on all properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093759 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value for the property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093763 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093763 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | The loan file contains an exception for the non-warrantable condos must have no more than XXXX% of tenants within an HOA delinquent more than XXXX days. And for non-warrantable condos LTV must be reduced by XXXX% (XXXX. (Waived) | Waived |  |  |  | Compensating Factors: Credit XXXX, LTV - XXXX% |  | 2 | 2 | 2 | 2 |
| XXXX | 2093763 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Inexperienced investors must have a minimum XXXX. The current DSCR for this transaction is XXXXx. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093763 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception to allow a primary housing history of XXXX months reporting when the minimum requirement is XXXX months. (Waived) | Waived |  |  |  | Compensating Factors: Credit XXXX, LTV - XXXX% |  | 2 | 2 | 2 | 2 |
| XXXX | 2093763 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Appraisal - Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093756 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093756 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal lists the transaction as a purchase with the initial seller as the current owner of record, however, the loan closed as a refinance and the owner of record should reflect the entity, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Goodbye Letter received does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093756 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Per the loan application, the borrower states he owns the primary residence, however, the loan file is missing a current XXXX month housing history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093756 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093785 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093785 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093785 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093784 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. All XXXX property addresses were missing from the HUD. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2093784 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Legal Addendum(s) were missing: Exhibit A. All XXXX security instruments referenced an attached Exhibit A; however, the Exhibit A was blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 6 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Legal Description was provided for only one property address. Please Provide the Exhibit A/ Legal Descriptions for all properties. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The title work and flood documents provided are not applicable to the finding cited. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Title report has been provided. It is acceptable to use the legal description that is within the title if it is its own page in the title work. If the page with the legal description discloses the title policy, commitment, insurance etc. it is not acceptable. The title provided has the legal description on a page that discloses the title policy, commitment, insurance etc. and is not acceptable. The Exhibit A legal description is required. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Title report has been provided. It is acceptable to use the legal description that is within the title if it is its own page in the title work. If the page with the legal description discloses the title policy, commitment, insurance etc. it is not acceptable. The title provided has the legal description on a page that discloses the title policy, commitment, insurance etc. and is not acceptable. The Exhibit A legal description is required. (Upheld)<br>Response 6 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093784 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Entity Name on the Security Instrument is inconsistent with Title. Title reflects current vested interest in a different Entity, the loan file did not contain any Deeds to support the change in vested interest. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093784 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing for the properties located at XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The flood certificate is still missing for the property located at XXXX.<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093784 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093767 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093767 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signed loan agreement attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2093767 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file is missing the required Certificate of Good Standing for the borrowing entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093767 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093761 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093761 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower passed the OFAC screening process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093761 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain a CDA for the properties located at XXXX and XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093760 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093760 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file is missing the lien and judgement search for both guarantors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> LoanSafe received does not contain judgement/lien searches. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The searches provided were specifically for criminal records. Still missing liens and judgements. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093760 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093779 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093779 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093779 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093808 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower(s)' name(s) on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093808 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, when assets used for reserves are from a non-borrowing entity, the borrower must have ownership of at least XXXX% of the entity. Subject loan closed in an individual name and assets were used from XXXX. A letter from the credit union indicates there are XXXX authorized signers on the bank account. The file is missing evidence borrower has at least XXXX% ownership of the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing evidence the borrower is at least XXXX% owner of XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093808 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The loan file contains a SLV for Waived Compensating Factors: XXXX, over $XXXX in reserves 2 2 3 2 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093808 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093799 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093799 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signed loan agreement attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093799 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093799 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093764 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093764 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093764 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX and XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093807 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093807 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender signed XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2093807 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093807 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2093800 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093800 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The operating agreement for the borrowing entity XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093800 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093794 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093794 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The subject property is currently leased per the appraisal through XX/XX/XXXX. The loan file is missing a copy of the current lease. Rents are reported as less than market survey. Indicated lease amount used to qualify. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093794 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093797 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093797 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The appraisal indicates the subject property is currently lease for $XXXX per month through XX/XX/XXXX. The loan file is missing the lease as required per investor guidelines for leased refinance transactions. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see uploaded lease agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093797 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083825 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083825 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083825 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a soft pull dated within XXXX calendar days of funding or undisclosed monitoring through the funding date which must be provided with the closed loan package, and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Gap report pulled and provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2083825 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The co-borrower is a first time homebuyer. Guideline XXXX First Time Home Buyer states the guidelines only apply when all applicants are first time home buyers. However, per the overlays, first time home buyers are ineligible. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score (XXXX points over min requirement) Bwr1 stable employment for XXXX+ years $XXXX in residual income <br>| XXXX. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2083825 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | A VOR was provided for the co-borrower's rental residence but reflects the borrower as the occupant. The VOR is from a private landlord. In this case, XXXX months consecutive cancelled checks (front and back) along with a copy of the lease is required and is missing from the file for the co-borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Corrected VOR provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2083825 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083830 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083830 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083830 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089984 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089984 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The loan file is missing bank statements for funds to close to verify funds short $XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> bank statements attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> loan XXXX closed the same day as this loan. Cash out proceeds of $XXXX should cover the reserve requirement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Statements provided are in file. Shortage remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089984 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The loan file is missing bank statements for funds to close to verify funds short $XXXX. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> statements attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Duplicate finding. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089984 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the required credit report. XXXX guidelines required a credit report for each sponsor using a valid social security number. The primary sponsor must qualify using standard tradelines. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> credit reports attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089984 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file is missing the Personal Documentation- borrower authorization form. XXXX guidelines require a borrower authorization form. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> borrower authorization and signed app attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089984 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file is missing the required loan application for both guarantors. XXXX guidelines state loan application completed and signed by each Entity owner represented. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> signed app attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089984 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file is missing the required signed/dated ACH form and Voided check for automatic loan payment enrollment. XXXX guidelines require ACH Form & voided check for automatic loan payment enrollment. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached ach and voided check. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089984 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan fileis missing all the required verbiage perils. XXXX updated language to minimum coverage endorsement requirements to include at a minimum: wind, smoke, hail And All Perils verbiage is not showing on the hazard policy form. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> full policy withe perils attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089984 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091080 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091080 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal provided in the file was completed on a GPFES2 form and is not a standard FNMA form as required by the guidelines. Investor to review and provided opinion. According to research, this form is not intended for conventional lending. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The appraisal submitted to us is from an appraiser we have worked with in the past. All information in the appraisal is what is found on the typical XXXX form and the value was supported by the CDA as well.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Corrected appraisal attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Investor must indicate if this is acceptable. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091080 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091078 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument wasnot completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end formshould have been used; however, the Security Instrument covers the correct debtand terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091078 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | HELOC - Closure Letter | XXXX | The title report indicates the current lien on the subject is an Open-End mortgage. The loan file does not include a signed Line closure letter. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Confirmation from the title agent the open-ended mortgage was a construction loan that does not require a close out letter. Marked up title commitment shows the lien was to be paid and satisfied at closing as well.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Final title policy attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Final Title Policy would confirm HELOC closure. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091078 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091084 | 1 of 3 | XXXX | XXXX |  | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  |  |  | 1 | 1 | 1 |
| XXXX | 2091084 | 2 of 3 | XXXX | XXXX |  | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091084 | 3 of 3 | XXXX | XXXX |  | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091086 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed closed-end product. The Open-ended form was utilized for the Security Instrument when a Closed-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091086 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091086 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091085 | 1 of 3 | XXXX | XXXX |  | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  |  |  | 1 | 1 | 1 |
| XXXX | 2091085 | 2 of 3 | XXXX | XXXX |  | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091085 | 3 of 3 | XXXX | XXXX |  | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX and XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091083 | 1 of 3 | XXXX | XXXX |  | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  |  |  | 1 | 1 | 1 |
| XXXX | 2091083 | 2 of 3 | XXXX | XXXX |  | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091083 | 3 of 3 | XXXX | XXXX |  | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX and XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089918 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089918 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089918 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1696188 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1696188 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Investment Property Reserves | XXXX | Assets were required in the amount of $XXXX ($XXXX funds due at closing + $XXXX reserves). Assets were verified in the amount of $XXXX resulting in short reserves in the amount of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached Assets for Funds to Close and Reserves<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Required Reserves needed are only $XXXX, funds to close $XXXX - which is a shortage of $XXXX. XXXX Advisors account covers this shortfall.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please see attached assets to cover reserves.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Exception provided for shortage.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The only new document provided was the XXXX 401K. Addition of XXXX assets results in a $XXXX shortage. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Required reserves are $XXXX. Payment of $XXXX per month X XXXX months. XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Still $XXXX short of reserves. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX% LTV. Experienced Investor. XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 1696188 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Loan file contains a CDA dated XX/XX/XXXX which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1714023 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1714023 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a first lien is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in Lending Act (Regulation Z) 12 CFR 1026.43(e)(1)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This loan is Non-QM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The loan is Non-QM. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1714023 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | ROR - Timing | XXXX | 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. In addition, the Right to Cancel does not provide the borrower with XXXX business days to rescind the transaction. The rescission date is XXXX business days after the consummation date, the date the borrower receives the Final TIL, or the date the borrower receives the Notice of Right to Cancel, whichever occurs last. The rescission date noted on the Right to Cancel Notice, XX/XX/XXXX is less than XXXX business days from the consummation date/Final TIL/RTC Notice delivery date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.23(b)(1)(v), (a). Additionally, rescission needs to be re-opened. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Uploaded new RTC and email<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please clear Monday, XXXX/XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient tocure the finding. The Updated ROR for the loan transaction on XX/XX/XXXX wasissued on XX/XX/XXXX and the borrower has until midnight on XX/XX/XXXX torescind. The exception can not be resolved until the recession period ends. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The reopened rescission expired XXXX clearing the exception. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1714023 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Credit Report and Desk Review Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1714023 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1714023 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a Field Review dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088434 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2088434 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088434 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088435 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement addendum to the Note is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Hello, the referenced loan # XXXX is the client&#XXXX;s loan number which matches the note- this is a correspondent loan.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The loan agreement provided does not appear tobe for the referenced loan #XXXX. The loan agreement provided shows it is for loan #XXXX. In addition, XXXX, with the LegalDescription is blank and the address cannot be confirmed: . (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 1 | 1 |
| XXXX | 2088435 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088435 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091288 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B to the loan agreement was missing the date of borrower signature and the borrowers printed name under their signature. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Loan Agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091288 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091288 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091288 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091289 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2091289 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091289 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the Note are incomplete: Pg. XXXX of the loan agreement is missing the borrower and Lender name; additionally the borrower is an Entity and the Loan agreement was signed as an Individual. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Agreement provided has corrected the name of the XXXX on pg. XXXX. The signature page discloses the borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. (Acknowledged)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2091289 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091289 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091289 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091289 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2082260 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> title<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082260 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The loan file contains a lender exception for credit report age/ missing soft pull. Guidelines state the credit report is good for XXXX days and that modification loans require a soft pull. Credit is more than XXXX days from the modification date and soft pull is missing. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: LTV of XXXX% (less than XXXX% from max), qualifying XXXX (XXXX points greater than minimum), and 0x30x24 on credit report. |  | 2 | 2 | 3 | 2 |
| XXXX | 2082260 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> flood cert<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082260 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines state liability coverage equal to $XXXX is required and this is missing from the subject policy provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI showing 1M in liability<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082260 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> title<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082260 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077431 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077431 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: E-Recording Fee $XXXX, Lender's Title Insurance Policy $XXXX, Settlement $XXXX, Title Cert Fee $XXXX, Endorsement Fee $XXXX, XXXX $XXXX, and Recording Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please revisit with the uploaded XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077431 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2077431 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please revisit with the uploaded XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077431 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Points $XXXX, Underwriting Fee $XXXX, Appraisal Fee $XXXX, Appraisal Review Fee $XXXX, and Attorney's Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please revisit with the uploaded XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077431 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The file is missing verification of HOI payment for the property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077431 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091305 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091305 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091305 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091307 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2091307 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. Please provide updated Note and addendum/Riders. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091307 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Mortgage reflects vesting as an Entity; however, the current vesting on the Title Report reflects the borrower. While a Quitclaim deed is included in the file to transfer interest from the borrower to the Entity, the deed was not executed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED SIGNED QCD<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091307 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. Please provide a correct mortgage and riders. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091307 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091307 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088444 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2088444 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B of the loan agreement was signed as an entity and an individual; please provide a corrected Exhibit B with the borrower signature in the individual section only. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088444 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2088444 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088444 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088446 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088446 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The loan agreement addendum Exhibit B is incomplete. The entity name, members title, and date are missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088446 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088446 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). All required documentation was provided for XXXX who is XXXX% owner of the borrowing entity; however, no signed guaranty was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED XXXX FOR XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088446 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088442 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement Exhibit C is incomplete. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088442 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2088442 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Prepayment addendum to Note reflects the a prepayment is applicable for XXXX years; however, it only reflects the terms for year XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED PPP ADDENDUM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088442 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the Note are incomplete: Exhibit B is missing the Entity's name, the XXXX's mailing address, and the name of the Lender. Additionally, the XXXX's mailing address is missing on page XXXX of the Loan Agreement | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088442 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088442 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | Name Discrepancy. Page one of the Loan Agreement lists the borrower as an individual in the "For Value Received" section. It should list the entity name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088442 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088442 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Program Parameters - Other. Personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). A Personal guaranty was provided for the non borrowing guarantor; however, no guaranty was provided for the borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED GUARANTY FOR XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088442 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA did not support original appraised value within - XXXX% but client guidelines allow the lower of the valuation value to be used. Per the rating agencies this is allowed but would be an EV2 grade. | Cleared |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088440 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088440 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect required perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> insurance showing Perils<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> proof of all perils...email from insurance<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils are not confirmed. Broad perils as opposed to Special perils are reflected. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Email from Insurance Agent provided to confirm All Perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088440 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2081122 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The date used for rate set is XX/XX/XXXX. The loan is a non-compliant HPML. Appraisal requirements have not been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please provide clarity on the HPML fail and requirements to clear.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The loan is a Non-compliant High-Priced loan (HPML). Evidence the borrower received a copy of the Appraisal at least XXXX days prior to closing is required to be considered a compliant High-Priced (HPML). Please provide evidence the borrower received a copy of the Appraisal at least XXXX days prior to closing for review. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2081122 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2081122 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for drywall not being completed in the subjects kitchen. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX mos reserves, residual income over $XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2081122 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2076399 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2076399 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2076399 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2076399 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2076399 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2085428 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note and Prepayment addendum is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2085428 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust), XXXX-XXXX Rider, PUD Rider and Prepayment Rider is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2085428 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2085428 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2089944 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089944 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Sales Contract - Missing/Incomplete | XXXX | The sales contract in the loan file is missing an addendum to include the final sales price of $XXXX and interested party contributions of $XXXX as reflected on the Settlement Statement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Contract addendum provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089944 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088441 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 849856 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - (EAD) Risk Category | XXXX | The Borrower is not a US Citizen and provided an Employment Authorization Document (EAD) with a Category of C-XXXX indicating that the Borrower is an XXXX or under suspended deportation orders. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 849856 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088443 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2088443 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The required background check for XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached UCC search for XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088443 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow a condo project with over XXXX% delinquency in HOA dues. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2088443 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. he loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088449 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2088449 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The subject property was built in XXXX, guidelines require a home inspection specifically a foundation inspection if built prior to XXXX, which was not located in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Request to revisit. Foundation inspection is no longer a requirement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Client has requested to be waived as current guidelines have removed this requirement. (Waived)<br>**  |  | Comp factors - XXXX, LTV XXXX% and XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2088449 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing required STR Documents | XXXX | The loan file contains a lender exception to waive the required short term rental experience of managing a short term rental for XXXX months. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, LTV XXXX% less than max allowed |  | 2 | 2 | 3 | 2 |
| XXXX | 2088449 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing required STR Documents | XXXX | The loan file contains a lender exception waiving the future bookings for the subject guideline requirement for short term rentals. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, LTV XXXX% less than max allowed |  | 2 | 2 | 3 | 2 |
| XXXX | 2088449 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088436 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088436 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to proceed with 2nd appraisal being an exterior only appraisal for loan amount greater than $XXXX million. Determined non-material based on compensating factors (waived). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> this is marked waived and we have an Exception uploaded for this- put still reflects finding grade XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding waived by client based on compensating factors. (Waived)<br>**  |  | Compensating Factors: LTV XXXX%, Value of exterior appraisal supports full appraisal within 10%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2088436 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The Originator calculated the DTI XXXX with self employment income of $XXXX and liabilities totaling $XXXX. The calculation of the borrower's self employment income at audit resulted in self employment income of $XXXX and liabilities totaling $XXXX; giving a DTI of XXXX%; which exceeds the XXXX% DTI maximum per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Based on the liabilities- this is what we have below with XXXX being paid from the business account- $XXXX that would be excluded from debt)- the attached business statements- I show a DTI XXXX, even using the lower income- we are XXXX% DTI. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Business statements provided and auto payment being made from business account. Removing this debt decreases the DTI to XXXX% and within guidelines. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088436 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an appraisal only dated XX/XX/XXXX, which supports the appraised value used. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091310 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091310 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091310 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088450 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2088450 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow subject property single family residence with less than XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Cash Back excess reserves more than XXXX months, XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2088450 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091309 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091309 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091309 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091295 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Final was not signed by borrower or marked final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091295 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091295 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088448 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088448 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088448 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091323 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091323 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2091323 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | Lender exception provided to extend expired credit report to XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: excess reserves, XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2091323 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state that the borrower can qualify using long-term market rents from XXXX; however, the rents on the XXXX provided in the loan file for our review are based off of short term rent and no rents for the lookback period were documented to confirm rent. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091323 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow unique property type. Determined non-material based on compensating factors (waived). | Waived |  |  |  | compensating factors: XXXX, excess reserves, low LTV |  | 2 | 2 | 3 | 2 |
| XXXX | 2091323 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088451 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2088451 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines a listing must be canceled XXXX days prior to the Note date for a Cash Out Refinance. The appraiser indicates the subject was listed for sale XX/XX/XXXX and the listing expired XX/XX/XXXX which is not XXXX days from the Note date of XX/XX/XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Experienced Investor. XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2088451 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a 2x30 mortgage late. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX mos reserves, Experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2088451 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The H06 Policy provided for our review does not include sufficient rent loss coverage. $XXXX in rent loss coverage is required and the policy only reflects $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> borrower received enough to cover<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088451 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The subject property is located in a condominium project. The loan file does not contain the Master Insurance Policy. Reviewer is unable to confirm sufficient coverage. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> master insurance with policy coverage<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088451 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088453 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX, the signature page is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088453 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088453 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088453 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088455 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2088455 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The subject property was built in XXXX, guidelines require a home inspection specifically a foundation inspection if built prior to XXXX, which was not located in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached email waiving foundation inspection requirement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2088455 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088457 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088457 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088457 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2090008 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed closed-end product. The Open-ended form was utilized for the Security Instrument when a Closed-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2090008 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The guidelines require XXXX months of PITIA at $XXXX with only $XXXX verified. File is short $XXXX in required reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Submitted for review<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX statements attached for review.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX account was already provided. XXXX account dated XXXX days after close and the balance was only sufficient after closing day. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090008 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract, only addendums. Provide full purchase agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Submitted for review<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Purchase Contract and Addendums for review.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090008 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2090013 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090013 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The file is missing all borrower credit reports, including verification of XXXX used to qualify, | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090013 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090011 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Missing Signature | XXXX | The Note and the Loan and Security Agreement was not fully executed by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> note<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090011 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The borrower and notary signatures are missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090011 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan is missing signatures from the borrower for the following documents: note, guaranty, deed, loan agreement, guarantor application, business purpose, and final loan application. Guidelines state all closing documents must be personally signed by the guarantor and these documents were provided in the loan file without execution from the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> missing signatures<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> signed business purpose<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing Business Purpose signature. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090011 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090009 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090009 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Guidelines state a full traditional appraisal is required and this is missing from the loan file to support the value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The subject is XXXX. The appraisal provided is for an unrelated property at XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090009 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for the borrower through XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background check<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090009 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for the entity through XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background check<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090009 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The guarantor application for the borrower is required and missing from the loan file to meet guideline requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor application<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090009 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Third party rent estimate | XXXX | Missing required Third party rent estimate per guidelines. Provide the XXXX or equivalent to support the market rent to meet guideline requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> rent schedule<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090009 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090012 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2090012 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The appraisal supporting a value of $XXXX, to include a comparable rent schedule, was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal with rent schedule<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090012 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value of $XXXX, which was noted on the CU (secondary appraisal product) was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2090010 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090010 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The file was missing the appraisal for the subject property, verifying the appraised value noted on the CDA of $XXXX, including the comparable rent schedule verifying the estimated market rents of $XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The appraisal pages are overlapping, which has hidden important information. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090010 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Initial Application - Missing | XXXX | The subject closed in the name of an entity with XXXX guarantors. The investor guidelines required a loan application on all guarantors. The loan application for the 2nd guarantor, XXXX was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final guarantor applications are not needed for Non-qualifying guarantors. please have cleared<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2090010 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value of $XXXX, which was noted on the CDA (secondary appraisal product) was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value.. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2085429 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note and Prepayment addendum is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2085429 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust), XXXX-XXXX Rider, PUD Rider and Prepayment Rider is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2085429 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The credit report reflected a charged off account with XXXX. Account reflected an outstanding balance of $XXXX and a charge off date of XXXX/XXXX. The investor guidelines required collections and charge-offs < XXXX months old with a a balance greater than $XXXX to be paid in full. Documentation to support this account had been paid in full was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> WC - Charge off is being paid off - listed on CD from the refinance<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CD from refinance of another property for borrower reflects the debt being paid off. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2085429 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A Field Review dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086497 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086497 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | Bank Statements. Business Bank Statement Program XXXX months. The asset statements provided for the qualifying income from XXXX XXXX are statements from XX/XX/XXXX to XX/XX/XXXX which is XXXX months. Please provide an additional month with an updated income worksheet. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> LOE states borrower only started new business XXXX months ago so only XXXX months statements provided but divided over XXXX months for income. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2086497 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The application reflects the borrower currently renting for the past XXXX years; however, the monthly rent payment is not reflected. The file contains what appears to be monthly rental payments in the amount of $XXXX from the borrower's XXXX account XXXX from XX/XX/XXXX - XX/XX/XXXX; however, based upon the documentation provided it cannot be determined if this is the case. Further documentation is required to verify the borrower's last XXXX months rental payments. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Bank statements provided confirming XXXX months rent payment made. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086497 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091396 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091396 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091396 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file contains an incomplete Field review dated XX/XX/XXXX. While the field review states "I have found the final opinion of market value for the subject property reasonable as of the effective date of the appraisal report under review" it does not actually state the agreed upon value. Unable to verify value is supported. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The Field review justindicates that it agrees or disagrees with the value.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Agree, a field review will only state Yes or No that it agrees with original appraised value. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089945 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089945 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal indicates the subject property is fee simple. However, the title commitment reflects the estate as leasehold. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated appraisal reflecting Leasehold provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089945 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a Fraud Report/Background Check must be provided and to include a criminal records check. The Fraud Report provided does not reflect a criminal records check. In addition, the Fraud Report reflects the incorrect street # for subject property (XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Background check provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089945 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate provided reflects subject address as XXXX. Please provide a flood certificate with the correct address of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert with correct address provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089945 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The appraiser indicated both units were leased. The file contains a lease for unit XXXX, however, missing a lease for unit XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Lease provided but for unit XXXX and we need lease for unit XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089945 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The subject is a leasehold property and the tile commitment reflects the annual rent amount; however, a copy of the ground lease is not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Deed of Ground Rent provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089945 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089946 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the Note was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2089946 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file does not contain a background check for any of the borrowers. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Background check provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089946 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089947 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089947 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a fraud detection report is required for all borrowers and must include borrower validation, social security number verification, criminal records, and property information. The file is missing the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Background check provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089947 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Both the appraisal and the data tape reflect the subject property is currently leased. The file is missing a current executed lease agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Fully executed lease provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089947 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091324 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091324 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for "Credit report approved for XXXX days". Current guideline valid for XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factor: LTV XXXX excess Reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2091324 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088456 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088456 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088456 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088458 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The Loan agreement is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED LOAN AGREEMENT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088458 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088458 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088454 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088454 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The loan file contains a lender exception allowing for a transferred appraisal which requires management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX+ mons reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2088454 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, XXXX and citizenship XXXX) An authorization to obtain a credit report and background report. The file is missing the required documentation for XXXX and XXXX (XXXX% ownership each of LLC). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088454 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception allowing the borrower to qualify as rent free which requires an exception. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX+ mons reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2088454 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091311 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091311 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Security Instrument is missing the Notary Acknowledgement page. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091311 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must identification documentation must be provided such as a driver's license or passport. Guarantors must also provide a limited application that includes their name, address, date of birth, social security number, and citizenship. Additionally, an authorization to obtain a credit report and background report is required. The loan file is missing the required documentation for XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091311 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091325 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. There was a signed HUD printed XXXX/XXXX however an updated HUD was printed XXXX/XXXX without signature or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091325 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2091325 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage is missing the Notary Acknowledgement page. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> notary acknowledgement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091325 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must identification documentation must be provided such as a driver's license or passport. Guarantors must also provide a limited application that includes their name, address, date of birth, social security number, and citizenship. Additionally, an authorization to obtain a credit report and background report is required. The loan file is missing the required documentation for XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091325 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091322 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091322 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091322 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091321 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091321 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091321 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091320 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091320 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091320 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091341 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091341 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091341 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088462 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088462 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088462 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which support the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091343 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091343 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091343 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091337 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091337 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report. The file is missing the required documentation for XXXX (XXXX% ownership of XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached are the guarantor package for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091337 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088465 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088465 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088465 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091342 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091342 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091342 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091340 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, XXXX HUD1 in file is not signed by the borrower and/or not stamped by the Title company. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091340 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091340 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091340 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2084047 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2084047 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | Lender's Exception - Lender allowed the DTI to exceed the max of XXXX% for XXXX% LTV/CLTV. Compensating factors deems as non-material. (Waived) | Waived |  |  |  | Compensating factors - XXXX, XXXX months reserves, $XXXX residual income per month |  | 2 | 2 | 2 | 2 |
| XXXX | 2084047 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091351 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091351 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACH authorization filled and signed/dated by the borrower. XXXX guidelines require ACH authorization on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot of Auto Debit on account provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091351 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091347 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091347 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACH authorization filled and signed/dated by the borrower. XXXX guidelines require ACH authorization on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot of Auto Debit on account provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091347 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091350 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091350 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACH. XXXX guidelines state XXXX required on all cash out refinance with an LTV greater than XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot showing ACH for loan provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091350 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091352 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091352 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACH authorization filled and signed/dated by the borrower. XXXX guidelines require ACH authorization on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot from system showing ACH setup provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091352 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091349 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091349 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACH authorization filled and signed/dated by the borrower. XXXX guidelines require ACH authorization on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not required on a R/T refi with a XXXX above<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Subject is rate and term therefore ACH guidance does not apply. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091349 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091348 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091348 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACH authorization filled and signed/dated by the borrower. XXXX guidelines require ACH authorization on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot of Auto Debit on account provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091348 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091345 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091345 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACH authorization filled and signed/dated by the borrower. XXXX guidelines require ACH authorization on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Screenshot of Auto Debit on account provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091345 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088463 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the signature page, pg. XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> page XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088463 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The insurance provided for our review does not indicate perils coverage as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Email from Insurance Agent confirms All Perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088463 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091344 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091344 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091344 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088464 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088464 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines a liens and judgments background search for the entity is required. The background search that includes the liens and judgment search for XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Attached is the No Hit for XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Attached are the Judgement and XXXX reports for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide the no hit results for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Still missing No Hit results. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088464 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091355 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091355 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091355 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088461 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088461 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088461 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for borrower with no investment experience and a XXXX. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2091357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088471 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088471 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088471 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088473 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088473 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088473 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091354 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091354 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091354 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091356 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. No HUD was signed by the borrower or marked as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091356 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091356 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091356 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088474 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088474 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> email stating all perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088474 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091359 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091359 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091359 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088472 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2088472 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide a limited application that includes their name, address, date of birth, social security number, and citizenship. Additionally, an authorization to obtain a credit report and background report is required. The loan file is missing the required documentation for XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088472 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided to used appraised value instead of purchase price for recently purchased property. Determined-non material based on compensating factors (resolved). There is no seasoning to use appraised value for a Rate and Term Refi. | Waived |  |  |  | Compensating Factors: Excess Reserves greater than XXXX, Credit History > than XXXX yrs. |  | 2 | 2 | 3 | 2 |
| XXXX | 2088472 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091358 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091358 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file contains an exception for shortage of rent loss coverage by $XXXX (waived). | Waived |  |  |  | compensating factors: LTV XXXX%, XXXX, Reserves > XXXX months |  | 2 | 2 | 2 | 2 |
| XXXX | 2091358 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088469 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088469 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX (XXXX) day extension for a credit report that expired on XX/XX/XXXX (Loan to close on XX/XX/XXXX). XXXX guidelines state credit reports are valid for XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower has lived and owned primary residence for XXXX (XXXX+) years. Borrower also currently owns XXXX (XXXX+) rentals. |  | 2 | 2 | 2 | 2 |
| XXXX | 2088469 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091353 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091353 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for an LTV of XXXX% with a non-permanent resident. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2091353 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091369 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091369 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091369 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088479 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088479 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX (XXXX) day extension for a credit report that expired on XX/XX/XXXX (Loan to close on XX/XX/XXXX). XXXX guidelines state credit reports are valid for XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower has lived and owned primary residence for thirty (XXXX+) years. Borrower currently has XXXX (XXXX+) rentals. |  | 2 | 2 | 2 | 2 |
| XXXX | 2088479 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088478 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088478 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX (XXXX) day extension for a credit report that expired on XX/XX/XXXX (Loan to close on XX/XX/XXXX). XXXX guidelines state credit reports are valid for XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower has lived and owned primary residence for thirty (XXXX+) years. Borrower currently owns XXXX (XXXX+) rentals. |  | 2 | 2 | 2 | 2 |
| XXXX | 2088478 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088476 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088476 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX (XXXX) day extension for a credit report that expired on XX/XX/XXXX (Loan to close on XX/XX/XXXX). XXXX guidelines state credit reports are valid for XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower has lived and owned primary residence for thirty (XXXX+) years. Borrower currently has XXXX (XXXX+) rentals. |  | 2 | 2 | 2 | 2 |
| XXXX | 2088476 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088481 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088481 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX (XXXX) day extension for a credit report that expired on XX/XX/XXXX (Loan to close on XX/XX/XXXX). XXXX guidelines state credit reports are valid for XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower has lived and owned primary residence for thirty (XXXX+) years. Borrower currently has XXXX (XXXX+) rentals. |  | 2 | 2 | 2 | 2 |
| XXXX | 2088481 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091366 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091366 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091366 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091370 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091370 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the Certificate of Good Standing for XXXX. Additinal conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached SOS and email confirmation - this is a brand new entity and the email confirmation serves as status. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091370 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan flie is missing the required entity background search for the entity, XXXX, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached UCC search.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091370 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088475 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2088475 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088475 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088480 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2088480 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require a listing must be canceled XXXX days prior to the Note date for a Cash Out Refinance. The listing was canceled on XX/XX/XXXX while the note date is XX/XX/XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX% LTV. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2088480 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091368 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091368 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091368 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088485 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088485 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088485 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091364 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Abstract / Title Search Fee $XXXX, Closing Protection Letter Fee $XXXX, XXXX Fee $XXXX, Lender's Title Insurance Policy $XXXX, Settlement or Closing Fee $XXXX, Title Examination Fee $XXXX, Title Insurance Binder Fee $XXXX, GRMA (XXXX Residential Mortgage Act) [Recording Fee] $XXXX and Recording Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial LE uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091364 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091364 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached XXXX Initial LE for retesting. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091364 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Points - Loan Discount Fee $XXXX, Mortgage Broker Fee $XXXX, Underwriting Fee $XXXX, Appraisal Fee $XXXX, Appraisal Review Fee $XXXX, Credit Report Fee $XXXX and Transfer Taxes $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial LE uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091364 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow cash out refi for subject listing removed less than XXXX days from the note date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: S/E (w/same business) for XXXX+ yrs, DTI < less than XXXX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2091364 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091363 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091363 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091363 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091373 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091373 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the use of a transferred appraisal (a Commercial Narrative) for a XXXX-unit property. XXXX guidelines transferred appraisal for a XXXX-XXXX unit property is by exception only. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Low LTV and strong fico XXXX, |  | 2 | 2 | 2 | 2 |
| XXXX | 2091373 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to proceed wiht appraisal dated XX/XX/XXXX and valid through XX/XX/XXXX. XXXX guidelines appraisals are only valid for XXXX days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Low LTV and strong fico XXXX, |  | 2 | 2 | 2 | 2 |
| XXXX | 2091373 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2088486 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2088486 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). Since the borrowing entity is XXXX% owned by another entity which is XXXX% owned by XXXX the following items are required for XXXX: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship. XXXX) An authorization for a credit report and background report. XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached guarantor docs.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088486 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091374 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091374 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091374 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088484 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit A of the loan agreement was missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached Loan Agreement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088484 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2088484 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect required perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached email confirming wind and hail are included, as well as the policy packet.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils are not referenced. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Email from insurer confirming HO-XXXX which is All perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088484 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091299 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091299 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091299 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091298 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2091298 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The hazard policy provided does not reflect perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> perils confirmation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091298 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for allow deed or resale restriction. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX plus years at present address, XXXX, has other investments |  | 2 | 2 | 3 | 2 |
| XXXX | 2091298 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines require $XXXX in liability coverage. The hazard policy provided for our review does not reflect any liability coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> insurance with XXXX liability<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091298 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088482 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2088482 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). Since the borrowing entity is XXXX% owned by another entity which is XXXX% owned by XXXX the following items are required for XXXX: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship. XXXX) An authorization for a credit report and background report. XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached guarantor docs.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088482 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091296 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091296 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091296 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088427 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088427 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088427 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088429 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088429 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088429 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091297 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091297 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow XXXX entity layers with the guideline max of XXXX entity layers. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX, primary residence |  | 2 | 2 | 2 | 2 |
| XXXX | 2091297 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091300 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091300 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091300 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2086540 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2086540 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2086540 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2086540 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. he loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091372 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. HUD was not signed by borrower or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091372 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX months prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2091372 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The loan file is short funds to close in the amount of $XXXX. Document funds to close with XXXX consecutive current months bank statements to verify the shortage of funds to close. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please note that per the final settlement statement, the borrower received $XXXX and did not have to bring cash to close.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The HUD in file reflects cash to the borrower of $XXXX. Additional assets in file support a grand total of $XXXX available. XXXX months reserves, or $XXXX were required, creating a $XXXX shortage. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Upon XXXX review, a haircut was given to several of the asset accounts based on borrower's ownership percentage but that is not required for this loan program. Assets meet required reserves. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091372 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091371 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091371 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091371 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088430 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2088430 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow executed but not recorded amendment for XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Favorable XXXX, XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2088430 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091303 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091303 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091303 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX , which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088431 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088431 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088431 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088426 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2088426 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2088426 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091301 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2091301 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a cash out refinance on a property listed for sale less than XXXX months ago, listing removed XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XXXX% less than max, XXXX+ mons PITI |  | 2 | 2 | 3 | 2 |
| XXXX | 2091301 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines require the hazard insurance on the subject to include evidence of perils coverage which was not included in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is confirmation of coverage<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091301 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091312 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091312 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091312 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091317 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreementwas not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091317 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower XXXX was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both borrowers. However, it the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship, XXXX) authorization for credit report, XXXX) background check and XXXX) picture XXXX as a driver's license, passport, or similar for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached guarantor docs.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091317 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091316 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091316 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing of a Condo unit with XXXX square feet (with a fully functioning kitchenette). XXXX guidelines requirement for a Condo/Condotel is XXXX square feet minimum. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Greater than six (XXXX) months reserves, fico XXXX, XXXX XXXX + years of previous STR management experience. |  | 2 | 2 | 2 | 2 |
| XXXX | 2091316 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091313 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091313 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a pending litigation for structural damage to the condo unit. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Greater than six (XXXX) months reserves, fico XXXX, XXXX XXXX + years of previous STR management experience. |  | 2 | 2 | 2 | 2 |
| XXXX | 2091313 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091315 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091315 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a pending litigation for structural damage to the condo unit. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Greater than six (XXXX) months reserves, fico XXXX, XXXX XXXX + years of previous STR management experience. |  | 2 | 2 | 2 | 2 |
| XXXX | 2091315 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing of a Condo unit with XXXX square feet (with a fully functioning kitchenette). XXXX guidelines requirement for a Condo/Condotel is XXXX square feet minimum. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Greater than six (XXXX) months reserves, fico XXXX, XXXX XXXX + years of previous STR management experience. |  | 2 | 2 | 2 | 2 |
| XXXX | 2091315 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091302 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091302 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091302 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091319 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091319 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091319 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091318 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2091318 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the lender exception to allow a pending litigation for structural damage to the condo unit. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> condo questionnaire and appraisal do not state that there is a pending litigation nor any structural damage. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091318 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing of a Condo unit with XXXX square feet (with a fully functioning kitchenette). XXXX guidelines requirement for a Condo/Condotel is XXXX square feet minimum. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Greater than six (XXXX) months reserves, fico XXXX, XXXX XXXX + years of previous STR management experience. |  | 2 | 2 | 2 | 2 |
| XXXX | 2091318 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2091329 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091329 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file does not contain a ACH form filled out by the borrower. XXXX guidelines state ACH requirements required on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> this is not required as its not a cash out, can you please clear. thank you<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091329 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091334 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091334 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Guidelines require a business background check for each business, the business background checks were missing from the loan fXXXX XXXX, LLC and XXXX, LLC. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091334 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allowing a purchase on an investment property to XXXX% LTV/CLTV without the required XXXX months experience. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX+ mons reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2091334 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091330 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091330 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091330 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2091333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance provided in the loan file for our review does not reflect the required perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> all perils coverage<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX does not answer the all perils question. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Email from Insurance Agent provide confirming ALL Perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091331 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Notary pg, XXXX of XXXX is not for the loan agreement. Please provide the Lender executed loan agreement on pg. XXXX of he document. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2091331 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Repairs | XXXX | Per the guidelines, properties must contain a full kitchen. The appraiser indicates appliances for subject property include a range; however, photo of the kitchen does not indicate a range in place. Please provide evidence of the stove being installed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Full kitchen is not required for XXXX NOO properties<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091331 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file contains a lender exception allowing a cash-out refinance to buy out a co-owner which guidelines will not allow. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Strong FICO, owned XXXX+ yrs |  | 2 | 2 | 3 | 2 |
| XXXX | 2091331 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091332 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2091332 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2091332 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2089982 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX . Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089982 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089982 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Note - Inaccurate | XXXX | Major issues were detected with the note. The monthly P&I payment is missing from the Note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Revised Note with monthly P&I payment included<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Corrected Note provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089982 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089917 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089917 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089917 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086466 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086466 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. PITIA for reo at XXXX has not been verified. Provide mortgage statement or equivalent to verify taxes and insurance are escrowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Hello, please see attached mortgage statement reflecting taxes and insurance are escrowed. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086466 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091394 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091394 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. Guidelines require the LLC articles of incorporation and evidence of good standing which are missing from the loan file. File contains evidence the articles were filed but is missing the attached copy of the articles of organization. Provide both documents to meet guideline requirements for the LLC. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hello please find the attached Articles of Organization and evidence of good standing (document from the Secretary of State). Please accept and clear. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091394 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Guidelines state cash-out refinance loans are not eligible for cash-out if the subject property has been listed for sale within the last XXXX months. Appraisal confirms the subject was listed for sale on XX/XX/XXXX and withdrawn from the market on XX/XX/XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXAM)<br> Investor reviewed and elects to waive. Lower of appraised value and most recent listing price used for LTV. Noted compensating factors: Experienced Investor, XXXX, $XXXX verified reserves.<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091394 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086465 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced XXXX is missing: Exhibit A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hello please find the mortgage and legal description (exhibit A). It is the last page. Please clear. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086465 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086465 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089916 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089916 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a first lien is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in Lending Act (Regulation Z) 12 CFR 1026.43(e)(1)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please find our XXXX&#XXXX;s response. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089916 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089916 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091395 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091395 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091395 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089920 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089920 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The file contained an HOI policy; however, reflected the insured property as XXXX XXXX, XXXX, XXXX and not the subject property. HOI policy for the subject property to include all required coverages is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> EOI for SUBJ<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Uploaded the EOI including the XXXX for your review. Please let us know if this satisfies the remaining insurance condition. Thank you!<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All Perils not reflected. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089920 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Borrower is renting his current primary residence. The investor guidelines required a VOR supporting a XXXX month rental history with proof of the most recent XXXX months of history by cancelled checks, bank statements or other alternative documentation. Guidelines note that payments made in cash are not eligible. A VOR from a private landlord was provided with copies of the most recent rent receipts. The rent receipts indicated the payments were made in cash. Rent receipts were unacceptable proof of rent payments received. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Hello, Investor approved the exception for cash payment. Can you please confirm with XXXX? Thank you,<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Awaiting Investor response. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, DTI XXXX% and reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2089920 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089919 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089919 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089919 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083993 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083993 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083993 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2085634 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2085634 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file is missing CD or equivalent for cash out refinance of reo at XXXX to verify new loan with XXXX. This is required to verify the new payment, net proceeds of $XXXX used for cash to close/reserves, and payoff of previous mortgage with XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> here&#XXXX;s asset documents<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> POST CD reflecting closing funds <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> This is dry funding state loan. Closing funds transfer is disclosed to post CD.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> HUD received. CD is required to confirm the new monthly payment. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Still missing Closing Disclosure for XXXX to document new principal and interest payment. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2085634 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083994 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083994 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083994 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089921 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089921 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089921 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089922 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089922 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089922 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2085635 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2085635 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the email confirmation from the insurance agent. The agent confirms that all perils mentioned in the condition are included in the policy. Can you please take this into consideration and waive the condition?<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2085635 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090933 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090933 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090933 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079093 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Appraisal Desk Review Fee. The loan fails the prohibited fees test by $XXXX. The loan charged more than one automated valuation model fee or both an appraisal fee and an automated valuation model fee. (XXXX Fin. XXXX) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2079093 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2079093 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2086219 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086219 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Per guidelines, Hazard insurance policies must show evidence of Perils coverage. The Hazard insurance policy in the loan file does not contain evidence of Perils coverage as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> processor cert<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Processor cert provided with name and phone number of insurance agent certifying that the HOI policy includes all perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086219 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per guidelines, all parties listed on each bank account must be included as borrowers on the loan. XXXX is listed on the bank account and is not a borrower on the loan which is outside of guidelines. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Party is a husband. Noted compensating factors: Subject property owned XXXX years, 0x30 mortgage history for XXXX months reviewed and self-employed for XXXX years, XXXX, no lates, XXXX tradelines since XXXX<br>**  | XXXX. XXXX% LTV. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2086219 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject property is rural. Per guidelines, the maximum acreage is XXXX. The subject has XXXX acres which is outside of guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> At time of application XXXX.XXXX guidelines allowed for XXXX+ acres.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> A review of prior guidelines reflect XXXX+ acres was allowed at time of application. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086219 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070817 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070817 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The borrower's XXXX 401k account was utilized for reserves. Per the lender's guidelines the terms of withdrawal for an employer-sponsored plan are required. The retirement plan must allow for general purpose loans or hardship withdrawals without restrictions based on the borrower's employment termination, retirement, or death. The loan file did not contain the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docks provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing XXXX withdrawal terms. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070817 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The origination credit report reflected a XXXX-day account with XXXX. The application reflects a minimum monthly payment of $XXXX. Per the lender's guidelines a copy of the borrower's current account statement may be provided to show a required minimum payment amount if the account has a financing option similar to a revolving account. The loan file did not contain an account statement to verify the monthly payment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Can we reduce the reserves by XXXX for the XXXX?<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Reduction applied. Assets are sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070817 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The Underwriter's conclusions on the adequacy and the stability of the applicant's income was not supported by documentation in the file. At origination Restricted Stock Units (RSU) Income was used to qualify. Per the lender's guidelines the mortgage file must contain: Evidence the stock is publicly traded; Documentation verifying that the vesting provisions are time-based or performance-based (i.e. XXXX agreement, offer letter); Most recent vesting schedule(s) detailing past and future vesting; Evidence of receipt of previous year(s) payout(s) of RS/RSU (i.e. year-end paystub, employer-provided statement paired with a brokerage or bank statement showing transfer of shares or funds) that must, at a minimum include: Date(s) of the payout(s) and the number of vested shares or its cash equivalent distributed to the borrower (pre-tax). The loan file did not contain the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is not needed, as we only used the 401k for reserves and not as an income source.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> The finding says RSU income was used to qualify, but we didn't use it to qualify. All these docs conditioned for, are calculating the monthly income received <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Seller rebuttal does not address the finding. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> If restricted stock is subtracted from qualifying income, the DTI will be XXXX%. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070817 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - CLTV | XXXX | The subject loan does not meet Program Parameters for CLTV. The qualifying credit score was XXXX. The maximum allowable CLTV for a cash-out refinance was XXXX%. The loan file contained two appraisals: XX/XX/XXXX $XXXX and XX/XX/XXXX $XXXX. Per the lender's guidelines when a second appraisal is provided, the transaction's "Appraised Value" will be the lower of the two appraisals. The higher of the two values were used at origination. Using the lower value as required results in a CLTV of XXXX% which exceeds guidelines. It should be noted that a second appraisal is only required when the loan balance is greater than or equal to $XXXX or if the transaction is defined as a flip, neither applied to the subject transaction. There was no commentary in file as to why the higher value was used. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> the attached XXXX reflects CLTV as XXXX%<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Breakdown was provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX sent to client to provide breakdown of how they calculated CLTV. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070817 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079096 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Recording Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final SS and CD provided showing decreased recording fees, therefore no cure needed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2079096 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for use of XXXX months reserves as opposed to the XXXX required - XXXX months for subject property and XXXX months for departure residence when rent is being used. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, Housing history 0x30x24 |  | 3 | 2 | 3 | 2 |
| XXXX | 2079096 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077341 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Page XXXX and XXXX of PUD Rider were missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077341 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Credit Report Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD and LOE provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> PCCD, LOE and check provided. Check was sent via mail, please confirm if we can provide email confirmation from the broker the borrower received the check.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Proof of cashed check <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The copy of the Refund Check was provided; however, the LOE and PCCD have not been provided. Please provide the LOE. PPCD and proof of delivery for review. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The LOE, PCCD, and copy of the Refund Check was provided; however, proof of delivery has not been provided. Refunds over $XXXX require proof of delivery. Please provide proof of delivery for review. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2077341 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Per the lender's guidelines borrowers must document aminimum of XXXX% (of the sales price) of their own funds on purchase transactions. The sales price was $XXXX which results in a required minimum borrower contribution of $XXXX. The CD reflected a $XXXX EMD and funds to close of $XXXX from the borrower. The CD reflects gift funds from the non-borrowing spouse in the amount of $XXXX. As a result the required minimum borrower contribution of XXXX% was not met. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX% DTI, XXXX, $XXXX in verified reserves (sufficient assets to cover the XXXX% requirement).<br>**  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2077341 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079088 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079088 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Loan Discount Fee (Points). A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079088 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079088 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077083 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077083 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX with a loan closing date of XX/XX/XXXX. Guidelines require a gap credit or undisclosed monitoring report no more than XXXX days prior to the loan closing or any time after. Such document is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2077083 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081735 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081735 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The subject loan requires $XXXX in verified assets ($XXXX funds to close + $XXXX reserves). The loan file contains $XXXX in verified funds and is short $XXXX. Origination utilized $XXXX in proceeds from a secured loan. The loan file does not contain documentation of these funds being received by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081735 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The loan file is missing the terms of withdrawal for the employer sponsored retirement plan with XXXX 403b used as reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081735 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079085 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079085 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079085 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077330 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD from XXXX/XXXX and audit trail showing CD viewed same day provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2077330 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077330 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2084112 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084112 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Appraisal Final Inspection Fee, $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2084112 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than XXXX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. This is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084112 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Guidelines state borrowers who live rent-free have an LTV restriction of XXXX%. LTV exceeds this at XXXX%. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX% DTI, XXXX, $XXXX monthly residual income<br>**  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2084112 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2084099 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2084099 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Loan Discount Fee (Points). A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2084099 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2084099 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081736 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081736 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081736 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077345 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077345 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Power of Attorney Missing | XXXX | There is an individual on the Security Instrument who signed as an agent under a Power of Attorney but the Power of Attorney is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077345 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077345 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX and the consumer was not provided the disclosure within XXXX days of the change, the addition to the following fee was not accepted as valid: Broker Fee on the Initial CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077345 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a gap credit/undisclosed debt monitoring report no more than XXXX days prior to closing ir any time after closing as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077345 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject loan LTV is XXXX%. The appraisal indicates a rural property. Investor guidelines state that rural properties as a purchase transaction are limited to XXXX% LTV. The subject loan LTV exceeds investor guidelines. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: Self-employed XXXX years, $XXXX in verified reserves, $XXXX monthly residual income<br>**  | $XXXX per month residual income. XXXX. XXXX years self-employment. |  | 3 | 2 | 3 | 2 |
| XXXX | 2077345 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Investor guidelines require a XXXX month current rental history. The loan file contains documentation of payment for September XXXX-February XXXX as well as December XXXX, but is missing a complete verifiable payment history for January XXXX, November XXXX, and October XXXX. Without this documentation the loan is ineligible see guidelines for exceptions not met in the loan file. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: Self-employed XXXX years, $XXXX in verified reserves, $XXXX monthly residual income<br>**  | $XXXX per month residual income. XXXX. XXXX years self-employment. |  | 3 | 2 | 3 | 2 |
| XXXX | 2077345 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079342 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079342 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079342 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083535 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083535 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Discount Points. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CIC and lock confirmation provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2083535 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing Perils coverage for the current hazard insurance policy on the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2083535 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for: Non Arms Length LTV exceeding XXXX% - LTV XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2083535 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2082082 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the per diem interest amount test. (XXXX. Prof. Code §XXXX) The per diem interest amount charged on the loan ($XXXX) exceeds the per diem interest charge or credit threshold ($XXXX). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2082082 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2082082 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> icd and cert provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082082 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Points. A cost to cure in the amount of $XXXX is required. Reimbursement in the amount of $XXXX was provided at closing to cure the increase to the credit report, $XXXX is still required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> icd provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082082 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The loan file contained a lender exception to allow less than the required XXXX months reserves. The loan file contained documentation supporting XXXX months reserves. Client to approve downgrading file based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX years employed by primary employer and XXXX years by secondary employer, $XXXX per month residual income, XXXX years owned current primary. |  | 3 | 2 | 3 | 2 |
| XXXX | 2082082 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Lender guidelines require all open judgments, garnishments, and all outstanding liens to be paid off at or prior to closing. The payroll ledger and paystub in file for the borrower's employment with XXXX reflected a $XXXX per month garnishment for a tax levy, and the loan file did not contain any documentation confirming the tax levy was paid off as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please confirm if you accept the tax levy included in DTI as its not the subject property. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Taxes are on installment<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> If the LEVY is a lien, then an Investor exception is required. If it can be documented that the LEVY is only a payment plan with no lien, then the monthly payment would be accepted. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082082 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | There are additional credit findings. The loan file did not contain a gap credit report or Undisclosed Debt Monitoring Report dated within XXXX days of closing or anytime after closing as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082082 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | The XXXX mortgage statements in file for the exit residence mortgage secured by the property located at XXXX reflected a Forbearance balance of $XXXX, and the loan file did not contain any documentation confirming the Forbearance was seasoned for XXXX+ years as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082082 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088353 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088353 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Per accessory unit guidelines, at least XXXX comparable sale with similar use must be provided to demonstrate use is typical to the area. The appraisal report does not include a comparable with an accessory unit. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX, Self-Employed XXXX years, $XXXX verified reserves, $XXXX monthly residual income.<br>**  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2088353 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per guidelines for Rural properties, the maximum acreage is XXXX. The subject property has XXXX acres which is outside of guidelines. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX, Self-Employed XXXX years, $XXXX verified reserves, $XXXX monthly residual income.<br>**  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2088353 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079090 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079090 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079090 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077326 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077326 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The loan file contains a final HUD-XXXX for XXXX. and the proceeds were used as funds to close this transaction however the borrower for the subject loan is not listed as having claim to these funds on the Final HUD-XXXX as a seller and is also not listed as owning the property on the property detail report. Unable to verify borrower has access to sufficient funds to close. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller listed on SS is title only person on this loan and can use funds from sale for this purchase<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> This is a title only borrower, and has access to these funds, which is can be used for this transaction because they are on the mortgage <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Unable to clear based upon commentary. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077326 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a gap credit or undisclosed debt monitoring report within XXXX days prior to the loan closing or any time after as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077326 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | The loan file contains a lender exception for a DTI over XXXX% at an XXXX% LTV. Lender guidelines allow a max DTI of XXXX% when LTV >XXXX%. Given the LTV is not over XXXX% but equals XXXX% the lender exception is not needed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waived granted by Investor. (Waived)<br>**  |  | XXXX. $XXXX per month residual income. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2077326 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The loan file contains XXXX months cancelled checks which are submitted as verification of rent and borrower is listed as renting on the Final XXXX. The loan file is missing documentation supporting the rental amount indicated and the cancelled checks indicate they are loan payments for a mortgage that was not disclosed and are written to an individual with the same last name as the borrower. It should also be noted that the address listed on the application as currently renting is the same address a Final HUD-XXXX was provided to source funds to close. The loan file dose not contain sufficient documentation to determine borrowers current living situation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> VOR proof provided confirms title only person (XXXX) owns the property, and the borrower rents from him. LOE also provided from owner to confirm borrower&#XXXX;s living status<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077326 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2084100 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084100 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084100 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077327 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077327 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077327 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077343 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077343 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees were not accepted: Condo Certification Fee, Credit Report Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Updated CR invoice shows new charges on XXXX/XXXX and lender re-disclosed via CIC on XXXX/XXXX which is compliant of XXXX business days. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> PCCD and check completed<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> check<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC for the increase to the Credit report was reviewed and acceptable. A COC for the increase to the Condo Questionnaire Fee on the CD issued on XX/XX/XXXX has not been provided. A cost to cure in the amount of $XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The LOE, PCCD and Proof of delivery have been provided. A copy of the refund check is required. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2077343 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan application reflects a mortgage with TLS on XXXX with a monthly payment of $XXXX. The mortgage statement provided in the loan file is with Lakeview showing a monthly payment of $XXXX. No Closing Disclosure or other documentation was provided to confirm the loan was refinanced or to confirm the new monthly payment of $XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final CD for refinance provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077343 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The loan file contains a FNMA CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077328 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077328 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077328 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079101 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. Per regulation, creditors using electronic delivery methods, such as email, must also comply with 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signed CD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079101 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079101 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090941 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090941 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | A portion of the funds to close coming from the sale of the departing home at XXXX, XXXX, XXXX. The file contains an estimated HUD only reflecting loan proceeds of $XXXX and the payoff of XXXX and XXXX. The final executed HUD is missing from the file confirming the amount loan proceeds and the payoff of the XXXX mortgages above. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> HUD from departing residence provide validating first and second mortgage being paid off and proceeds to borrower. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090941 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Monitoring report no more than XXXX days prior to closing or any time after closing, and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090941 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077089 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077089 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077089 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086232 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086232 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086232 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Interested Party Contribution - Exceeds | XXXX | The final closing disclosure reflected the seller paid $XXXX to the borrower's closing cost. The total borrower's closing cost including prepays was $XXXX. Seller contributions exceeded the borrower's cost by $XXXX which resulted in a recalculated LTV of XXXX%. Per the investor guidelines, the maximum allowed LTV if XXXX%. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX, DTI is XXXX%, $XXXX in verified reserves<br>**  | XXXX. XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2086232 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082083 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082083 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> udm provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082083 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079345 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the per diem interest amount test. (XXXX Bus. Prof. Code §XXXX). The per diem interest amount charged on the loan ($XXXX) exceeds the per diem interest charge or credit threshold ($XXXX). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2079345 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2079345 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan is missing current Perils coverage on the hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cert provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> coverage provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor is currently reviewing this issue internally. Awaiting final decision. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2079345 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077329 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077329 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the change in pricing. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077329 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077329 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Parties | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for assignment of contract. The purchase contract was originally in the borrower's mother's name only and was then assigned to the borrower. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2077329 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083518 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083518 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083518 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084105 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD and audit trail provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2084105 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2084105 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077342 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2077342 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Appraisal Final Inspection Fee. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender was not made aware final inspection was needed until XXXX/XXXX and XXXX day re-disclosure as sent XXXX/XXXX which is compliant <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2077342 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for: No verification of rent. Borrower pays rent in cash. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No exception needed VOR provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating Factors: DTI XXXX% |  | 3 | 1 | 3 | 1 |
| XXXX | 2077342 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088356 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD. Notary Fee | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2088356 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Points. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CIC weas submitted XXXX/XXXX and CD re-disclosed XXXX/XXXX. No change in APR that warrants the XXXX days waiting period to re-open, this is compliant.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088356 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a gap credit or undisclosed debt monitoring report no more than XXXX days prior to the loan closing or any time after as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> udm provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088356 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The appraisal indicates the subject property was listed for sale XX/XX/XXXX for $XXXX withdrawn XX/XX/XXXX with an application date of XX/XX/XXXX. The loan file is missing an LOE confirming in writing the reason for the prior listing per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088356 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception for the subject property being considered mixed-use. The borrowers income is from a daycare center run from the subject property. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Strong reserve XXXX+ months- Good housing history 0X30X24 or better- Borrower has worked in the same job for more than XXXX years in the same industry for XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2088356 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077097 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077097 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077097 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082087 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082087 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082087 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081737 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081737 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081737 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079354 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079354 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | There are additional credit findings. The loan file did not contain a gap credit report or undisclosed debt monitoring report dated within XXXX days of the note date or anytime after the loan closing as required. Additional conditions may apply upon receipt. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2079354 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Interested Party Contribution - Exceeds | XXXX | The Interested Party Contributions exceed allowable guidelines and cause the recalculated LTV to increase above program maximum allowed. The loan file contained a lender exception to allow the interested party contributions in the amount of $XXXX which exceeded the XXXX% maximum amount allowed for LTVs greater than XXXX%. Client to approve downgrading the finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX. B1 has perfect XXXX month mortgage history, $XXXX or XXXX months post-closing reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2079354 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Missing Debts/ DTI Exceeds Tolerance | XXXX | The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. The borrowers were qualified with a debt-to-income ratio of XXXX% based on total monthly debt of $XXXX, which included the subject PITI payment of $XXXX and all other monthly payments of $XXXX. The qualifying debt-to-income ratio did not include the borrower's existing mortgage payment of $XXXX per month, and the loan file did not contain any documentation supporting the omission of this debt as required. The debt-to-income ratio inclusive of the existing mortgage payment increased to XXXX% which exceeds the program maximum of XXXX%. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX, $XXXX monthly residual income, Self-employed XXXX years<br>**  | Compensating factors: XXXX. B1 has perfect XXXX month mortgage history, $XXXX or XXXX months post-closing reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2079354 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The loan file contained a lender exception to allow XXXX% LTV for a property located in a declining market. Lender guidelines require a XXXX% LTV reduction. Lender to approve downgrading the finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX middle XXXX, XXXX has XXXX month perfect mortgage history, $XXXX or XXXX months post-closing reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2079354 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079104 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date XX/XX/XXXX is less than XXXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Proof ICD rom XXXX/XXXX was viewed XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079104 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079104 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079102 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079102 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a gap credit or undisclosed debt monitoring report within XXXX days of loan closing or after as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079102 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082108 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082108 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082108 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079094 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2079094 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Earnest Money Deposit | XXXX | The earnest money deposit was not properly documented and/or sourced. Per the lender's guidelines XXXX-month bank statements (per transaction being refinance or purchase) are required to verify sufficient liquid assets are present to document the EMD amount. The CD reflected $XXXX EMD. The loan file contained a copy of a check dated XX/XX/XXXX for $XXXX drawn on XXXX #XXXX. The loan file did not contain an August XXXX XXXX #XXXX bank statement, and the ending balance of the July bank statement was only $XXXX. An additional EMD for $XXXX was a cashier's check drawn on XXXX dated XX/XX/XXXX. The file did not contain a bank statement from XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2079094 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2086336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079110 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079110 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079110 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain a secondary valuation product to support the original appraised value. CU XXXX and LCA XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2077333 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077333 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for housing payment history. Per the lender's guidelines a XXXX-month housing history is required. The credit report reflects a HELOC with ENT CU #XXXX which the borrower was a signer; however, does not have any ownership interest in the property. The HELOC payments were paid to the owner of the property directly and not to the lender. The borrower does not meet any of the requirements for borrowers without a complete XXXX-month housing history. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2077333 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for DTI for borrower's living rent free. Per the lender's guidelines the maximum DTI is XXXX%. The loan closed with a DTI of XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2077333 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for LTV borrower's living rent free. Per the lender's guidelines the maximum LTV for a borrower without a XXXX-month housing history (living rent free) is XXXX%. The loan closed with an LTV of XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2077333 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077334 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077334 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077334 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079095 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit Report. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2079095 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079095 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property is missing Perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Proof provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2077336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077095 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077095 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077095 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079097 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079097 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The loan is short reserves by $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% DTI. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2079097 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current Perils coverage on the hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is not required<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Per XXXX, XXXX to assume all perils covered unless otherwise stated<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Investor requires All Perils coverage. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Typically, an email from the Investor is provided to address the same. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2079097 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079349 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079349 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender was not made aware of the 2nd appraisal fee until XXXX/XXXX when it was re-disclosed, therefore no cure needed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079349 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan is missing current Perils coverage on the hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Cert provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> peril confirmation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor is currently reviewing this issue internally. Awaiting final decision. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079349 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079360 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079360 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079360 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083526 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083526 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083526 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082102 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082102 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The borrower's current primary mortgage with XXXX is reflecting a past due payment of $XXXX as of the XX/XX/XXXX statement. Per guidelines, the verified and documented housing payment history must confirm that the payment is not currently late and hasnot been more than 1X30X12. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached credit soft pull showing XXXX month payments are paid<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082102 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081739 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) are incomplete: The Deed of trust and XXXX were not filled in or executed by the borrower or notary. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081739 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081739 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077351 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Escrow Account Disclosure does not reflect whether or not it was declined or the lender does not offer one. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2077351 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Appraisal Fee on the revised LE issued XX/XX/XXXX. Although the notice of changed circumstance form reflect the change occurred on XX/XX/XXXX the appraisal invoice reflects the increase due to Trip/Research Fee was paid by the mortgage broker on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD and check docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2077351 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077351 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079348 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079348 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided and disclosure tracking summary<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079348 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079348 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The hazard insurance policy in file for the subject property did not reflect Perils coverage as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> confirmation provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Email received. As of XX/XX/XXXX, awaiting decision between Seller XXXX and Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079348 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081744 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081744 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081744 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081741 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081741 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081741 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079359 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079359 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079359 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077340 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Recording Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final SS and final CD provided showing recording fee<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077340 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICd and proof it was viewed XXXX/XXXX provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077340 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The Seller of the subject was noted as XXXX. The complete sales contract between XXXX and the borrower was missing from the loan file One addendum was the only portion of the contract that was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Original contract provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077340 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077340 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Business bank statements from XXXX in the name of XXXX dba XXXX were utilized for qualifying income on the subject transaction. XXXX was an additional owner of the business. A CPA letter was provided that stated borrower was a signer on the account and was XXXX% owner of the business. The investor guidelines required all parties listed on the bank accounts to be a borrower on the subject loan. The additional person on the bank statement, XXXX was not a borrower on the subject loan. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> We have a letter from XXXX who owns XXXX% of the business providing access to assets and borrower declaration on the ownership<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please confirm where in our guides this is referenced <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX must also be on the loan. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Page XXXX of the guide. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: DTI is XXXX%, XXXX, Self-employed XXXX years<br>**  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2077340 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The borrower is a first time homebuyer and currently lives rent free. A rent free letter was provided. The investor guidelines allowed a borrower living rent free; however, the maximum LTV was XXXX%. The subject's LTV was XXXX%. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: DTI is XXXX%, XXXX, Self-employed XXXX years<br>**  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2077340 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079099 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079099 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The guidelines indicate the subject property must be covered by property insurance protecting against loss or damage from fire, lighting and other perils (wind, hail, smoke, civil commotion (including riots), damage caused by aircraft, vehicle, or explosion) covered by the standard extended coverage endorsement. The evidence of insurance provided does not indicate coverage against loss or damage cause by perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per XXXX: "On this issue, you guys are warranting full coverage, so I'm okay directing DR to assume that all perils are included unless specified otherwise,"<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please escalate as there is correspondence regarding XXXX&#XXXX;s approval on this<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Confirmation provided<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> peril coverage conhfirmed<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> It is typical to receive a correspondence email confirming the same. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Awaiting response from Investor on this item. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Email received. As of XX/XX/XXXX, awaiting decision between Seller XXXX and Investor. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079099 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086238 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086238 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than XXXX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. This is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086238 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The primary mortgage history in the loan file was incomplete. XXXX of XXXX months of payments have been verified for mortgage history associated with the borrower's primary residence (XXXX/XXXX-XXXX/XXXX provided). Guidelines state XXXX months are required, provide XXXXth month of mortgage history verification. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> statement provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086238 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089886 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum of XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2089886 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The loan file is missing the required Operating Agreement for XXXX verifying that XXXX as an authorized signor on behalf of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089886 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate the most recent XXXX months, or the length of the mortgage must be documented for the subject property and primary residence. In addition, verification that the borrower(s) have made all mortgage payments due in the month prior to the note date. The loan file is missing verification of the XXXX/XXXX mortgage payment on the Borrowers primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated credit report confirms paid as agreed. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2089886 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079352 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The borrower and notary signature was missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2079352 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2079352 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079352 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079358 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079358 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079358 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086337 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fee was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Property was changed to a PUD causing increase in the appraisal, invoiced attached shows when we were notified (XXXX/XXXX) that corresponds to the COC from XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2086337 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086337 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The qualifying income was calculated using XXXX months personal bank statements for each borrower and a business expense factor of XXXX% was utilized. Both borrowers were self-employed as Real Estate agents and the Self Employed Business Narrative reflected revenue structure was from commissions when referring/closing a client in a home or rental home/apartment. Guidelines required the use of a business expenses factor when using personal bank statements and no business statements being provided. The Expense Ratio guidelines indicated a XXXX% expense factor for Product Business. Product business specifically noted real estate as a product business. Using a XXXX% expense factor would reduce income and increase DTI over the maximum allowed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2086337 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2082103 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Processing Fee $XXXX. The loan fails the prohibited fees test by $XXXX. (XXXX, XXXX). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2082103 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> udm provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082103 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Policy jacket provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082103 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079356 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed LE provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079356 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079356 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082084 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082084 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082084 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081740 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2081740 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for LTV. The subject loan was a purchase of primary residence for a FTHB living rent free. Per the lender's guidelines the maximum allowable LTV was XXXX%; however, the loan closed with an LTV of XXXX%. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception proivded <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2081740 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | According to the loan application the borrowers were living rent free at their primary residence. Per the lender's guidelines if the borrower is living rent free at their principal residence then a signed and dated letter from the owner or individual obligated on the lease agreement must be obtained stating the borrower is living rent-free and what the relationship is to the borrower. The loan file contained a LOE from the borrower indicating that he resides rent free at the property owned by his father-in-law; however, the file did not contain a letter from the owner of the property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> letter provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Letter provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2081740 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2082088 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082088 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> perils provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082088 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079109 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079109 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subjectproperty with sufficient coverage/replacement cost. The evidence of insuranceprovided in the loan file did not reflect coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> HOI evidence does not reflect all perils. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> All Perils such as explosion, riot, civil unrest are not referenced. HO5 coverage does not automatically cover All Perils. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Email from Insurance agent confirming all perils provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079109 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089882 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089882 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089882 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082085 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082085 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082085 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077091 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD and proof it was viewed XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077091 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Credit Report on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender re-disclosed corrected amount within XXXX business days of ILE making the increase acceptable without cure<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> PCCD and check provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. Although the Credit report increase may have been provided within XXXX days of the change; evidence of why the Credit Report fee increased. Please provide evidence of why and when the fee increased to determine if it is a valid reason. A cost to cure in the amount of $XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2077091 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Earnest Money Deposit | XXXX | The earnest money deposit was not properly documented and/or sourced. Per the lender's guidelines evidence of the EMD can be documented with a written statement from the EMD holder verifying receipt of the funds. Additionally, XXXX-month bank statements (per transaction being refinance or purchase) are required to verify sufficient liquid assets are present to document the EMD amount. The CD reflected $XXXX EMD. The loan file contained the receipt of the funds from the title company for $XXXX; however, the remaining $XXXX was not documented. In addition, bank statements to source the withdrawal of the EMD funds was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2077091 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089881 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089881 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089881 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081743 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081743 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081743 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079106 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2079106 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079106 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089891 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089891 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089891 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088354 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088354 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088354 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079351 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079351 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079351 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083519 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083519 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the lender credit decrease. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDS attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2083519 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2083519 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083519 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082090 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082090 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a gap credit of undisclosed debt monitoring report XXXX days prior or after the loan closing as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082090 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The final application includes a $XXXX monthly additional liability for XXXX The loan file does not contain documentation supporting this liability. Unable to verify debt. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The $XXXX should not have been included, it was the last payment made per the mortgage statement attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082090 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2084108 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2084108 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084108 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. Additionally, the investor guidelines state named insured must match the vesting. The policy provided does not indicate coverage for all perils as required and co-borrower is not named as an insured person. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing co-borrower being named as an insured person. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084108 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Lender exception in the file as subject does not meet guidelines requirements for XXXX months cancelled checks or bank statements to support current lease payments when VOR if from a private individual. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors FICO higher than XXXX and at least XXXX points higher than guideline minimum, XXXX, B2 has worked in same job for greater than XXXX years, VOR from private landlords both reflect XXXX/XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2084108 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086224 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086224 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for LTV. The subject loan was a purchase of primary residence for a FTHB living rent free. Per the lender's guidelines the maximum allowable LTV was XXXX%; however, the loan closed with an LTV of XXXX%. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2086224 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2077093 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077093 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077093 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081742 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081742 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - Missing | XXXX | The loan file contains a wire confirmation for the $XXXX EMD sent to Escrow on XX/XX/XXXX from XXXX for the benefit of the Borrower. The loan file is missing a Gift Letter from XXXX for $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081742 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082089 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082089 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | The loan file is missing the June XXXX XXXX #XXXX bank statement, which was used for income documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082089 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077347 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077347 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The guidelines indicate the subject property must be covered by property insurance protecting against loss or damage from fire, lighting and other perils (wind, hail, smoke, civil commotion (including riots), damage caused by aircraft, vehicle, or explosion) covered by the standard extended coverage endorsement. The evidence of insurance provided does not indicate coverage against loss or damage cause by perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per XXXX: " On this issue, you guys are warranting full coverage, so I'm okay directing DR to assume that all perils are included unless specified otherwise"<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please escalate as there is correspondence regarding XXXX& XXXX;s approval on this<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> cert provided <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> It is typical to receive a correspondence email confirming the same. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Awaiting response from Investor on this item. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Email received. As of XX/XX/XXXX, awaiting decision between Seller XXXX and Investor. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2077347 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079353 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079353 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079353 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081750 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2081750 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements. The Lender's guidelines require XXXX months reserves, for a total on the subject loan of $XXXX. A total of $XXXX cash to close and reserves was required to be verified. A total of $XXXX in funds were verified. The loan is short $XXXX in reserve funds.It was noted that the Borrower's father provided a gift letter for $XXXX which was to be provided at closing. However, only $XXXX was actually provided on the Closing Disclosure. Additional funds for reserves cannot come from additional gift funds from the father, as guidelines do not allow for reserves to be provided from gift funds. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Lender approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Residual Income XXXX, XXXX on current job for XXXX+ years and B2 XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2081750 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086340 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086340 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086340 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088355 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088355 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | The borrower is qualified under the XXXX month business bank statement program. The borrower provided bank statements from STFU; however, the file is missing the bank statement for XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088355 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079105 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2079105 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The loan file was submitted with a total income of $XXXX with $XXXX/XXXX being calculated from bank statement income and an additional $XXXX being added as other income. No documentation or notation was located in file to verify the source of the additional income of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2079105 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for more than XXXX overdrafts in XXXX months. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No exception as these are not over-drafts<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Updated exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception for overdrafts was in the file from the Originator. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating Factors: XXXX, Monthly Reserves Exceed XXXX months |  | 3 | 1 | 3 | 1 |
| XXXX | 2079105 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082107 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082107 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The Appraisal Transfer Letter is missing. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is not required per our guides, please clear<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082107 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank statement from XXXX XXXX XX/XX/XXXX, as indicated on the XXXX, is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Statement provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2082107 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file was missing Perils coverage on the current hazard insurance policy on the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> perils coverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Processor cert provided that Insurance Agent confirmed Policy was All Perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082107 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> title provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082107 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2084114 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084114 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Loan Discount Fee (Points). A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX/XXXX CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Initial CD was provided and passed the Initial CD date test. Updated testing resulted in a XXXX% tolerance violation for an increase to the Points - Loan Discount Fee. The COC for the Points - Loan Discount Fee increase is dated XX/XX/XXXX and valid due to Loan Modification; however, the increase was not disclosed until the CD issued on XX/XX/XXXX and not within XXXX days as required. A cost to cure of $XXXX, XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084114 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage for perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084114 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for Significant Derogatory Credit Events. Per the lender's guidelines there is a XXXX-year waiting period for Mortgage Modifications. The mortgage on XXXX was modified on XX/XX/XXXX. The subject loan closed on XX/XX/XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2084114 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2081752 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following decreases: Lender Credits. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081752 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081752 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Loan Discount Fee (Points). A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Initial CD has been provided an updated testing still results in a XXXX% tolerance violation. The COC provided dated XX/XX/XXXX was applied to the Points - Loan Discount fee on the CD issued on XX/XX/XXXX. The Points - Loan Discount Fee increased on the CD issued on XX/XX/XXXX from $XXXX to $XXXX, XXXX without a COC. Please provide a valid COC for the increase on CD XX/XX/XXXX. A cost to cure in the amount of $XXXX, XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081752 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank and/or asset statements are incomplete. The loan file contained a bank statement from XXXX #XXXX dated XXXX/XXXX - XX/XX/XXXX with a statement ending balance of $XXXX. Additionally, a print screen was provided dated XXXX/XXXX - XXXX/XXXX/XXXX reflecting a starting balance of $XXXX. The transaction history from XXXX/XXXX - XXXX/XXXX is missing. Furthermore, an additional print screen was provided which was undated, reflected an ending balance of $XXXX and reflects no transaction history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2081752 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - Missing | XXXX | A required gift letter was missing from the file. The loan file contained a check to the borrower dated XX/XX/XXXX for $XXXX from a third party. The loan file did not contain a gift letter and the relationship of the donor to the borrower was not disclosed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081752 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for LTV. The subject loan was a purchase of primary residence for a XXXX. Per the lender's guidelines the maximum allowable LTV was XXXX%; however, the loan closed with an LTV of XXXX%. Client to approve downgrading finding based on compensating factor. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lender exception was not required.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Lender exception for XXXX and LTV limit was not required as LTV meets guidelines. Exception was mistakenly left in file but not needed. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081752 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Verification of XXXX months rental payments is required. The loan application reflects the borrower rents. The loan file contained a VOR from an individual and not a professional management company. Per the lender's guidelines if the source of the VOR is a party other than a professional management company, then provide the following: XXXX months of borrower's canceled checks or bank statements. The loan file did not contain evidence of the borrower's payment history. It should also be noted that the VOR was completed by an individual with the same last name of the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081752 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086229 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086229 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The borrower was qualified using the XXXX month business bank statement program. The XXXX #XXXX XXXX/XXXX/XXXX - XX/XX/XXXX bank statement was missing pages XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> page XXXX and XXXX do not have any relevant information to change the file characteristics, we already have all the transactions details for the month. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086229 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for NSFs/Overdrafts. Per the lender's guidelines no more than XXXX NSFs in the most recent XXXX months are allowed. A review of the bank statements reflected XXXX NSFs within XXXX months. The loan file contained a letter of explanation from the borrower indicating this was due to fraudulent activity on the account. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: DTI XXXX%; Housing 0x030x24; Borrower owns business since XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2086229 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2082099 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082099 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Discount Points Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082099 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082099 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086352 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD sent XXXX/XXXX and viewed XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086352 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Loan Discount Fee (Points). A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CIC and LC provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2086352 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for condos. Per the lender's guidelines no critical deferred maintenance is allowed. A structural inspection report reflected various repairs were need. The HOA imposed a special assessment in XXXX for building repairs that are not fully complete. Per HOA none of the repairs impact safety of structure. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approved exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2086352 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for NSFs/Overdrafts. Per the lender's guidelines no more than XXXX NSFs in the most recent XXXX months are allowed. A review of the bank statements reflected XXXX NSFs within XXXX months. The loan file contained a letter of explanation from borrower indicating this was due to transfers from one account to another. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approved exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2086352 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083520 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083520 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083520 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086234 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086234 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086234 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082101 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(f)(2)(i) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> APR did not change, TRID does not require it to be viewed<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> The fees decreased and was a benefit to the borrower and did not need to be viewed by the borrower <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on XX/XX/XXXX has already been provided; however, receipt for the CD issued on XX/XX/XXXX has not been provided. Please provide receipt for the CD issued on XX/XX/XXXX.(Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The finding is not based on the APR; the finding is a timing violation. A receipt for the CD issued on XX/XX/XXXX has not been provided. Without receipt, the XXXX day mailing rule is applied and the CD was received by the borrower after consummation. The borrower is required to receive the CD prior to consummation. Please provide receipt for the CD issued on XX/XX/XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to cure the finding. The creditor must ensure the borrower receives the corrected Closing Disclosure at or before consummation. No additional three-business-day waiting period is required. Provide receipt of the CD issued on the day of closing on XX/XX/XXXX. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082101 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | There are additional credit findings. The loan file did not contain a gap credit report or Undisclosed debt monitoring report dated within XXXX days of the note date or anytime after closing as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Uploaded the credit docs to the other condition by mistake so I also attached the ICD to this condition <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082101 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2084115 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084115 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file is short the required XXXX months reserves by $XXXX. Required reserves are XXXX months, or $XXXX. Required funds to close are $XXXX plus EMD of $XXXX and POC $XXXX, totaling $XXXX. Total required assets are $XXXX. Verified assets, including the EMD, are $XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating Factors: Self-employed XXXX years, $XXXX monthly residual income<br>**  | XXXX. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2084115 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086226 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086226 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for LTV. The qualifying credit score was XXXX which allowed for a maximum LTV of XXXX%. The subject loan closed at XXXX% LTV. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Borrower has worked in same job more than XXXX years; The occupying borrowers have a XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2086226 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU credit XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2082097 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2082097 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than XXXX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. This is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> udm provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2082097 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The loan file contains a lender exception for less than XXXX years self-employment and business in existence less than XXXX years. Guidelines state bank statement income borrowers must be verified self-employed for XXXX years and the business must be in existence for at least XXXX years. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> approved exception provide <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: qualifying credit XXXX, 0x30 on credit report, reserves of $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2082097 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2088371 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088371 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088371 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086227 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086227 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for acceptance of XXXX of XXXX months of rental verification. ?Client to approve downgrading finding based on compensating factors. ? | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: DTI XXXX%, Employment History XXXX+ years |  | 3 | 2 | 3 | 2 |
| XXXX | 2086227 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086228 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086228 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction.The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086228 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | New Finding: XX/XX/XXXX. The loan failed the charges that cannot increase test. Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the addition to the following fees was not accepted: Appraisal Final Inspection Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal marked &#XXXX;subject to&#XXXX; on XXXX/XXXX and this was when lender was made aware of the inspection fee was needed. We re-disclosed within the XXXX business on XXXX/XXXX and this is compliant.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ICD with cure provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The only LE provided in the loan file was issued on XX/XX/XXXX5. IF an LE was issued on XX/XX/XXXX please provide for review. A cost to cure in the amount of $XXXX. XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086228 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086228 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2077349 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077349 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2077349 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082093 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082093 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082093 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081745 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(b)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Can this be completed post close?<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> The ARM information may be embedded within the CHARM booklet or in the LE, as long as it's disclosed consistently throughout the loan process. The CHARM booklet as sent with this initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The ARM disclosure is a required document to be issued to the borrower prior to closing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081745 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081745 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088369 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088369 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088369 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089883 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2089883 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2089883 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2081747 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081747 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081747 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082111 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082111 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082111 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089884 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2089884 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089884 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089884 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2084104 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2084104 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2084104 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. d. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088367 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088367 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Discount Points. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088367 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088367 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082106 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082106 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082106 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081746 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081746 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Appraisal Fee on the revised CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081746 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage. The hazard policy does not show evidence of Perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081746 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE/Missing | XXXX | The guidelines required a verbal verification of employment for both borrowers within XXXX business days prior to the note date. The employment history was not obtained for the borrowers. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrowers are more than XXXX% owner of their businesses<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081746 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081749 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2081749 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage for perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2081749 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083523 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083523 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083523 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089904 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The notary for the loan agreement is inaccurate. The name of the notary whom the borrower personally appeared before is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The name is in the notary stamp<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089904 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The name of the notary whom the borrower personally appeared before is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The name is in the notary stamp<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089904 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2089904 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy in the loan file does not reflect all other perils coverage as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089904 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083530 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083530 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2083530 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081748 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081748 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2081748 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084109 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lock confirmation shows there was a pricing hit due to DTI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084109 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX. The loan closed XX/XX/XXXX. Guidelines require a gap credit or undisclosed debt monitoring report prior to XXXX days before closing or any time after. The report is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> supp provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2084109 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Transcripts Missing | XXXX | Guidelines require W2 transcripts for the borrower's wage income for the years XXXX and XXXX and are missing from the file. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Per guidelines: IRS W-XXXX forms for the most recent XXXX or XXXX-year period<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2084109 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception provided for XXXX% LTV for rural property vs max allowed XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX vs minimum required XXXX; residual income $XXXX vs required $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2084109 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2079361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2079361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082104 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082104 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2082104 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088366 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088366 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088366 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088366 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086231 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086231 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086231 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082105 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082105 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082105 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082109 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082109 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2082109 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084110 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084110 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084110 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089885 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the change occurred on XX/XX/XXXX and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Recording Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089885 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All Perils must include Explosion, Riot, Civil Unrest. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089885 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088377 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following:The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date.The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088377 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX Points $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UW exception was added XXXX/XXXX - please see lock for pricing change<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088377 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXXD to validate required mold remediation was completed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing 1004D. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Pictures, receipt and LOE stating mold was removed and only on the surface provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2088377 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for greater than XXXX acres, XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, Reserves exceed XXXX mo, DTI XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2088377 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086233 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086233 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The borrower was purchasing the subject property as a primary residence from a relative. Per the lender's guidelines when a gift of equity is being given the purchase agreement must state dollar amount of the gift of equity. The file contained no evidence of a properly executed sales contract. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX, $XXXX monthly residual income, $XXXX verified reserves<br>**  | Comp factors - XXXX, Residual income $XXXX and reserves of $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2086233 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089910 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089910 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089910 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086355 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086355 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086355 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088373 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088373 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a gap credit or undisclosed debt monitoring reports that is no more than XXXX days prior to the loan closing or after as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> udm provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088373 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089914 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089914 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089914 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090938 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090938 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090938 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089887 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The borrower is an entity however the Prepayment Addendum to Note was signed as Individual. Page one of Mortgage reflects the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> note provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089887 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Note does not appear to match loan documents. The borrower is an entity however the Note was signed as Individual. Page one of Mortgage reflects the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> note provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089887 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089887 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083532 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083532 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Guidelines require a gap credit or undisclosed debt monitoring report no more than XXXX days prior to the loan closing or after closing. This is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2083532 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The loan file contains a lender exception for business in existence less than XXXX years and less than XXXX months of business bank statements verified. Guidelines state business must be in existence for XXXX years and XXXX months bank statements required but borrower transitioned to same business new entity less than a year ago resulting in XXXX months of bank statements. Averaged income over XXXX months. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: qualifying XXXX (XXXX+ higher than minimum), residual income of $XXXX, and 0x30x12 on credit and rental history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2083532 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | Guidelines require a business narrative form or equivalent to verify expense ratio. This is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2083532 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2083525 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2083525 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2083525 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088359 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Recording Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> PCCD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088359 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088359 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088359 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089888 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089888 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file does not contain documentation supporting the new Loan payment for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089888 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file does not contain a gap credit or undisclosed debt monitoring report dated no more than XXXX days prior to loan closing or any time after as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM probvided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089888 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089890 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2089890 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender exception in file as the subject loan does not meet Program Parameters for LTV. The DSCR was less than XXXX; therefore, the maximum LTV for a cash out refinance with a credit XXXX was XXXX%. The subject loan closed at XXXX% LTV. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2089890 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender Exception in file as the subject loan does not meet Program Parameters for minimum DSCR equal to or greater than XXXX. The DSCR for the subject transaction was XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2089890 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2086235 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086235 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086235 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2084111 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084111 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2084111 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088379 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088379 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088379 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088372 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee to $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088372 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Seller concessions of $XXXX exceeds XXXX% ($XXXX) limit by $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see Final CD and PCCD for final figures <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the CD. HUD provided still reflects excessive concessions. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Upon XXXX Review, Items paid in advance should be included in borrower costs and was not. Once calculated into cost the seller concession does not exceed. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088372 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086242 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086242 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086242 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089889 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089889 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089889 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. CU XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090936 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Missing | XXXX | The Note is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> note provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2090936 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2090936 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Borrower Info | XXXX | The appraisal in file reflects the Borrower as " XXXX & Amber M. XXXX. Per the Final XXXX in file, XXXX is not a Borrower to the loan transaction. It should be noted that the Note is missing from the file (final signatures of Borrower(s)) and additional Conditions May Apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Corrected appraisal provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Corrected Appraisal provided. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2090936 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender Exception in file as the subject loans XXXX% LTV exceeds the XXXX% LTV maximum for Rural purchase transactions. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX months PITI Reserves, XXXX, 0x30 prior XXXX months mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2090936 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089902 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089902 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089902 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089907 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089907 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089907 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089911 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089911 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089911 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088365 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088365 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088365 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088374 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CD and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088374 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088374 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090939 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> icd provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090939 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090939 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089913 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089913 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089913 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086240 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086240 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086240 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086348 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX . If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086348 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following addition: Appraisal Final Inspection Fee. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Appraisal completed XXXX/XXXX marked subject to - COC XXXX/XXXX for Appraisal fee was added - please see attached ICD/COC for this<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086348 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086348 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086245 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086245 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing Perils coverage on the current hazard insurance policy for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086245 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090937 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090937 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090937 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086244 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086244 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086244 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090944 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090944 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The lease agreement for XXXX. XXXX, XXXX XXXX supporting monthly rental income of $XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090944 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089909 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2089909 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The guidelines an OFAC search is required for borrowers, guarantors and any member of the borrowing entity owning XXXX% or more. XXXX has a XXXX% ownership interest in the XXXX (XXXX) and the loan file is missing an OFAC screening for member XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089909 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Email provided from Insurance Agent confirming All Perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089909 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089893 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2089893 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2089893 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2089892 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089892 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089892 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089894 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089894 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089894 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086351 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086351 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2086351 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086351 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089895 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089895 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Employment History | XXXX | Lender exception in file as the subject loan does not meet guidelines for employment history. Per the lender's guidelines under the bank statement income program the borrower must be self-employed for at least XXXX years, and the business must be in existence for at least XXXX years. The borrower's business, XXXX., was incorporated on XX/XX/XXXX and the borrower's dental license is dated XX/XX/XXXX. As of the loan application date XX/XX/XXXX the borrower does not have a full XXXX-year history. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Borrower has verified residual income (disposal income) of at least $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2089895 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for LTV borrower's living rent free. Per the lender's guidelines the maximum LTV for a borrower without a XXXX-month housing history (living rent free) is XXXX%. The loan closed with an LTV of XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Borrower has verified residual income (disposal income) of at least $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2089895 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089915 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Prepayment addendum is incomplete: The borrower is an entity. The borrower's name does not include their title or the entity name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> corrcted addendum provide <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089915 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089915 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088375 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD and cert provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088375 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property showing evidence of Perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2088375 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2086354 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086354 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2086354 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089897 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Title Endorsements. The Title Endorsement fee was disclosed as Non-Shoppable and therefore subject to XXXX% tolerance. A cost to cure in the amount of $XXXX was required of which $XXXX was cured on the Closing Disclosure. A cost to cure in the amount of $XXXX is still required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089897 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | Per Lender's guides, IPCs are to be documented within the loan file. The borrower received $XXXX in concessions paid by the seller; however, the loan file does not contain an addendum reflecting the concessions as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX, XXXX% DTI, $XXXX monthly residual income, $XXXX verified reserves<br>**  | Comp factors - XXXX, XXXX, Residual income $XXXX and reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2089897 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2090945 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090945 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090945 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089898 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089898 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089898 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089912 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089912 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a gar credit or undisclosed debt monitoring report that is no more than XXXX days prior to loan closing or any time after as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089912 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance policy provided does not indicate perils are included or covered as require per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided and mis-labeled as Hazard Insurance. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089912 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The loan file is missing verification of rents for May XXXX- September XXXX as required per investor guidelines. Investor guidelines require the most recent XXXX months documented verification of rent. The loan file contains a VOR covering XX/XX/XXXX-XX/XX/XXXX but is missing documentation of rental amount and payments for the XXXX most prior addresses rented. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> VOE does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> VOE provided and with the VOE Letter the employer explains that during this peak part of the season they cover the rent for the employee while they are in certain assigned markets. Explanation acceptable. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089912 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089906 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089906 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089906 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089899 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089899 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089899 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089901 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089901 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Net proceeds from XXXX at XXXX are being used for verified assets on this transaction. Guidelines require a fully executed settlement statement to verify the source of funds and for exclusion of XXXX PITIA. The transactions appear to be a simultaneous closing but the settlement statement provided is an unsigned preliminary statement which does not meet the requirements for anticipated sales proceeds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089901 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | There are additional credit findings. A gap credit or Undisclosed Debt Monitoring report is required no more than XXXX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. The credit report date is XX/XX/XXXX which is more than XXXX days prior to the note date of XX/XX/XXXX. Provide UDM or gap credit report to meet guideline requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089901 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains an exception for escrow waiver on LTV over XXXX%. Guidelines state maximum LTV for an escrow waiver is XXXX% and subject loan has an LTV of XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: qualifying XXXX, 0x30x24 on credit report, and residual income of $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2089901 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2089900 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089900 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than XXXX days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> udm provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089900 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2090943 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2090943 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The borrower qualified using the XXXX month business bank statement program. A review of the XXXX months bank statements with XXXX #XXXX from XX/XX/XXXX through XX/XX/XXXX reflects the documents are in XXXX. Per the lender's guidelines all documents in the mortgage file must either be in English or accompanied by a translation into XXXX. An English translation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> assets in english<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2090943 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2090940 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090940 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090940 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089903 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CD and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089903 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increase: Loan Discount Fee (Points). A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> lock confirmation provided showing change in pricing <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2089903 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2089903 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2088376 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088376 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2088376 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089905 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089905 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089905 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090947 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2090947 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does not reflect "all perils" coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090947 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate the most recent XXXX months mortgage history must be documented for the subject property and primary residence. It is also necessary to verify the borrower(s) has made all mortgage payments due in the month prior to the note dateand are current as of the application date. The subject property was owned free and clear, however the loan file is missing a XXXX month pay history through XXXX/XXXX for the Borrowers primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower is on title to their primary residence, but noton the mortgage. We do have a copy of the mortgage statement in the loan fileand it evidence that the loan is also escrowed. That statement is dated XX/XX/XXXX showing nextpayment due XX/XX/XXXX and shows only the spouses name and also this is not onthe credit report.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Confirmed primary mortgage only in the name of spouse. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090947 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2090942 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2090942 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The guidelines indicate property insurance coverage is required to be the lesser of XXXX% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than XXXX% of the replacement cost value of the improvements of the subject property. The unpaid loan balance is $XXXX and the evidence of insurance reflects the Dwelling Coverage as $XXXX and Other Structures Coverage as $XXXX, total coverage amount $XXXX. The Replacement Cost Estimator provided by the insurer reflects the replacement cost as $XXXX. The loan file is missing evidence of insurance with a minimum coverage of $XXXX (XXXX% of RCE). In addition, the hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Cert provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> peril cverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing All Perils coverage. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090942 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2090946 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090946 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2090946 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2089908 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit Report and Appraisal Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender is not required to cure as this is a transferred appraisal <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Invoice provided shows the appraisal was for XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> PCCD docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Please provide evidence of the transfer of the Appraisal for review. Please provide a valid COC for the increase to the Credit Report fee in the amount of $XXXX and increase to the Appraisal in the amount of Appraisal fee in the amount of $XXXX for a total cost to cure in the amount of $XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC for the Appraisal transfer has been applied. Please provide a valid COC for the increase to the Credit Report fee in the amount of $XXXX. A cost to cure in the amount of $XXXX remains. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2089908 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The file is missing an appraisal transfer letter from XXXX to XXXX. and to include an AIR cert. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> transfer letter not required; The AIR cert is included on pg XXXX of the appraisa<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089908 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Debt Monitoring report no more than XXXX days prior to the Note date or any time after closing, and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> udm<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089908 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy is missing evidence of perils coverage as outlined in the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> peri; coverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Processor cert stating Insurance Agent confirmed policy to include All Perils. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2089908 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093793 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete / Inaccurate | XXXX | The following section(s) of the Note is incomplete/inaccurate : The Note does not provide a PPP however the mortgage includes a PPP Rider indicating that a PPP applies to the loan. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> please see updated note/addendum. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Seller Rebuttal. Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. the prepayment rider to the Mortgage has been provided. The Note states there is an addendum attached and part of the document. The addendum to the Note is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Mtg., Prepayment rider for the Mortgage, and a LOE that it will be recorded have been provided. The Note states in XXXX on the XXXXst page of the Note that there is a prepayment addendum to the note and it is made part of the Note. The Note is considered incomplete without the referenced addendum. A new executed Note without the addendum verbiage or the addendum to the Note is required. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093793 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Aged > 120 days | XXXX | The Origination Appraisal in file was dated XX/XX/XXXX which was XXXX days prior to the Note date of XX/XX/XXXX. Investor guidelines require the subject property to be appraised within XXXX days prior to the Note date. The appraisal in file was expired at closing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please apply a waiver<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: ltv-XXXX%, reserves > XXXX months |  | 3 | 2 | 3 | 2 |
| XXXX | 2093793 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file contained a SmartLinx Background check for the borrower generated on XX/XX/XXXX which was XXXX days prior to the note date of XX/XX/XXXX. Investor guidelines require the Background check to be dated within XXXX days of origination. The Background check in file was expired at closing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please apply a waiver<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: ltv-XXXX%, reserves > XXXX months |  | 3 | 2 | 3 | 2 |
| XXXX | 2093793 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Amount | XXXX | The loan file contained an Approved SLV to allow a XXXX for a loan amount less than $XXXX. The subject loan amount is $XXXX and the XXXX. (Waived) | Waived |  |  |  | Compensating Factors: ltv-XXXX%, reserves > XXXX months |  | 2 | 2 | 3 | 2 |
| XXXX | 2093793 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The loan file contained an SLV request to not require a XXXX% LTV reduction for a property located in XXXX; however, the exception was not required due to the XX/XX/XXXX XXXX no longer requiring a XXXX% LTV reduction for XXXX properties. (Resolved) | Resolved |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093793 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093699 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The section E "Riders" does not list the Business Loan Rider as attached to the mortgage. The Business Loan Rider in file. Please provide the revised mortgage document, which included the necessary corrections on page XXXX. The borrower is required to initial the changes made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The updated Mortgage to included the Business Purpose rider as part of the Mortgage has been provided, however, the updates have not been initialed by the borrower. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The updated Mortgage to included the Business Purpose rider as part of the Mortgage has been provided, however, the updates have not been initialed by the borrower. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093699 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal date XX/XX/XXXX is at XXXX days and must be no older than XXXX days from the Note date per guidelines. A new full appraisal is required for loans where the appraisal effective date is greater than XXXX days from the Note date. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive for XXXX grade, thank you!<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Credit XXXX, Experienced investor, LTV XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2093699 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. An SLV was submitted for continuity of obligation. The subject property is being transferred from an LLC to an individual. (waived) | Waived |  |  |  | Compensating Factors: Credit XXXX, Experienced investor, LTV XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2093699 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | There are additional findings regarding the title commitment. Title is dated XX/XX/XXXX and at XXXX days from note and must be no older than XXXX days from the Note date. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive for XXXX grade, thank you!<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Credit XXXX, Experienced investor, LTV XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2093699 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093679 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following section(s) of the Business Loan Rider is incomplete: Page XXXX is missing the date, name and property address. Please provide the updated Business Loan Rider and a revised Mortgage document, which includes the necessary corrections on page XXXX, section (E) Riders. The borrower is required to initial the changes made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Seller Rebuttal. Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The Purchase Contract and HUD provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093679 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines, when using a XXXX exchange the following items are required that are not in the loan file: Exchange agreement, Sales contract for exchangeproperty, and verification of funds from theExchange Intermediary. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing the exchange agreement. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093679 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA UCDP dated XX/XX/XXXX with a CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093677 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093677 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093677 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX with a CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093695 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093695 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Per guidelines, there must be at least XXXX comparables in the same zip code or within XXXX mile of the subject property. One comparable must be within XXXX mile of the subject property with limited net adjustments. None of the comparable sales are within XXXX mile and only XXXX comparable is in the same zip code. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093695 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093706 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: The Business Purpose and Non-Owner XXXX is missing information. The Property, Closing date, Loan amount, Maturity date, Borrower and Guarantor are incomplete. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093706 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The terms within the Prepayment Penalty Addendum do not match the Prepayment Penalty terms within the Prepayment Penalty Rider and approvals. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Business Purpose and Non-Owner XXXX provided in rebuttal does not address the defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093706 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The terms within the Prepayment Penalty Rider do not match the Prepayment Penalty terms within the Note and approvals. Additionally the Borrower and Loan # are missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Business Purpose and Non-Owner XXXX provided in rebuttal does mot address the defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093706 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) are incomplete: Page XXXX of the mortgage,Section (E) Riders does not list the Business Purpose rider. Please provide the executed rider and a revised mortgage document, which includes the necessary corrections on page XXXX. The borrower is required to initial the changes made. Additionally the Business Purpose Rider to Mortgage is incomplete it is missing the following; The Lender and Subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Business Purpose and Non-Owner XXXX provided in rebuttal does not address the defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093706 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093706 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093716 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093716 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093716 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093708 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093708 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The subject loan was delivered as a XXXX% LTV purchase of an investment property with a purchase price of $XXXX. The appraisals in file and property records reflected the seller purchased the subject property for $XXXX on XX/XX/XXXX which was between XXXX and XXXX days prior to the closing date of XX/XX/XXXX, and was more than XXXX% lower than the purchase price of $XXXX which was a property flip. The loan file contained two appraisals as required for property flips, which indicated the subject property had been renovated; however, the loan file did not contain any documentation to validate the cost of the renovation as required. The loan file did contain an exception request from the lender for this issue; however, the loan file did not contain an exception approval. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please waive for EV2, thanks!<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093708 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains XXXX full appraisals which both supported the qualifying value. In addition, CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093735 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please Acknowledge.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Lender acknowledges with no change in grade EV2. (Acknowledged)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093735 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Business Loan and Prepayment Fee riders do not have the Entity name disclosed or the Individual names and Titles held with the Entity printed below their signatures lines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The Contract Addendum provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093735 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please Acknowledge.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Lender acknowledges with no change in grade EV2. (Acknowledged)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093735 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider/Legal Addendum are missing: Exhibit A - Legal Description and page XXXX of XXXX the Business Loan Rider. In addition, the following executed Rider was not disclosed as applicable on the rider section on page XXXX of the security agreement: Business Loan Rider. Please provide a revised mortgage document, which includes the necessary corrections on page XXXX. The borrower is required to initial the changes made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The Contract Addendum provided in rebuttal does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093735 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The Sales Contract Addendum(s) to extend the date of closing to XX/XX/XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see sales contract extension<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see contract extension<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The loan closed XX/XX/XXXX. The extension was only through XX/XX/XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093735 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A lender exception was granted for the DSCR being under XXXX for an inexperienced borrower. Deemed non-material based on compensating factors. (Waived) | Waived |  |  |  | Compensating factors - XXXX and XXXX months of post-closing reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093735 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Lender exception granted for Borrower XXXX having inadequate mortgage history. Deemed non-material cased on compensating factors. (Waived) | Waived |  |  |  | Compensating factors - XXXX and XXXX months of post-closing reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093735 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093709 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093709 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093709 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA UCDP dated XX/XX/XXXX with a CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093746 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing Prepayment addendum referenced in section XXXX "Addendum Attached" | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The PPP rider to the Mortgage has been provided. Please provide the PPP addendum to the Note. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The Payment Breakdown provided in rebuttal does not address defect. Please provide the PPP addendum to the Note. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093746 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The borrower is an Entity; however borrower title is missing from the signature line of the note. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please acknowledge<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Lender acknowledges with no change in grade EV2. (Acknowledged)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093746 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower is an Entity; however the borrowers title is missing from the signature line on the mortgage and riders. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please acknowledge<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Lender acknowledges with no change in grade EV2. (Acknowledged)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093746 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for the subject purchase being an ineligible non-arms length transaction. Compensating factors deem non-material. (waived). | Waived |  |  |  | Compensating Factors: XXXX, Experienced Investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093746 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093766 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) are incomplete: The signature lines on page XXXX of the Security Instrument and page XXXX of the Prepayment rider does not disclosure the title of the signer for the Entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093766 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing the required Guarantor background check; inclusive of a lien and judgement search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see liens and judgement search<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Loan Safe received. Still missing judgement and lien searches. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093766 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The prepayment penalty reflected on the Note of XXXX months advanced interest is not an eligible option for a XXXX year prepayment term. Additionally, the prepayment penalty of XXXX months interest reflected on the Note does not match the prepayment penalty of XXXX% as reflected on the Security Instrument Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093766 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contained an exception for the DSCR being < XXXX; however, the exception is invalid due to the cash reserves did not meet the stated cash reserves as reflected on the approval of $XXXX. Actual cash reserves are $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093766 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093733 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093733 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a SLV for minimum tradeline requirement. Compensating factors deem non-material. Noting that the CBR provided dated XX/XX/XXXX shows sufficient tradelines. (waived). | Waived |  |  |  | Compensating Factors: FICO XXXX, XXXX months reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2093733 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA UCDP dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093782 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Business Purpose Rider does not reflect the Borrower's printed name below the signature line. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please review DOT and update condition. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding.The executed Business Purpose Rider with the borrowers printed name has been reviewed and acceptable. Please provide evidence when thedocuments have been recorded. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The check for recording the documents to the title company has been provided. Please provide evidence when the documents have been recorded. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093782 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines require a the Borrower's background check to be inclusive of a judgement search dated within XXXX days of the loan origination date. The transaction loan origination date is XX/XX/XXXX; the judgement search in file is dated XX/XX/XXXX (XXXX days), > XXXX days. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see judgement search dated XX/XX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Loan Safe received. Still missing judgement and lien searches. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093782 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The transaction loan amount of $XXXX (< $XXXX) requires a minimum XXXX. The loan closed with a calculated XXXX. The loan file contained an exception for "XXXX for loan amounts less than $XXXX." (Waived) | Waived |  |  |  | Compensating Factors: XXXX, Experienced Investor, XXXX months PITI Reserves, 0x30 for XXXX+ months mortgage history (XXXX mortgage accounts). |  | 2 | 2 | 3 | 2 |
| XXXX | 2093782 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093774 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Business Loan Rider was not executed by the Guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Business Purpose Rider executed by both the borrower and guarantor has been reviewed and acceptable. The Letter of Intent cannot be used to cure the exception, re-recording the document is the cure. Please provide evidence when the documents have been re-recorded. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The Appraisal Report provided in rebuttal does not address defect. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The re-recorded, executed Business Purpose Rider with the printedname of the borrower and guarantor have been reviewed and acceptable. However,pg. XXXX has not been updated to include the Business Purpose Rider as part of theMortgage. Provide an updated pg. XXXX of the Mortgage listing the Business PurposeRider under Section F Riders, borrower must initial any changes made todocument. Please provide evidence when the documents have been re-recorded. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093774 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | the loan file contains a lender exception allowing for the Borrowing Entity to be owned XXXX% by another entity vs. having at least one full course warm body personal guaranty and to be an entity with a natural person member as required per investor guidelines. Compensating factors dem this a non-material. (waived) | Waived |  |  |  | Compensating Factors: Good XXXX Strong Investor Experience history- Good reserves XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093774 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The loan file contains a lender exception allowing for the subject LTV of XXXX% to exceed investor guidelines maximum LTV of XXXX%. Compensating factors deem this as non-material. (waived) | Waived |  |  |  | Compensating Factors: Good XXXX Strong Investor Experience history- Good reserves XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093774 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093744 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The Note was executed by Members/Officers of the Entity but the Operating Agreement is missing from the loan file. Unable to determine if signatures on Note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided is not applicable to the finding cited. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided is not applicable to the finding cited. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The document provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093744 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Note does not appear to match loan documents. Signing as individual in addition to a member signing. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided is not applicable to the finding cited. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided is not applicable to the finding cited. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Client acknowledges finding.<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2093744 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Business Purpose Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The XXXX provided is not applicable to the finding cited. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The XXXX provided is not applicable to the finding cited. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The XXXX has been provided. The printed name and title is present for the borrower signature line; however, the guarantor is missing the printed name. Please provide the XXXX with the printed name on the signature line for the guarantor. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093744 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The Security Instrument was executed by Members/Officers of the Entity but the operating agreement is missing from the loan file. Unable to determine if signatures on Security Instrument are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided is not applicable to the finding cited. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided is not applicable to the finding cited. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The document provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093744 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The loan file contains a SLV for missing the Operating Agreement for XXXX. Compensating factors deem non-material. (Waived) | Waived |  |  |  | Compensating Factors: XXXX, XXXX months reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093744 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA from XXXX dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093762 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Business Purpose Rider is missing the printed names of the Borrowers under the signature lines. Please provide a new executed Business Loan Rider with the names or if manual corrections are made, the borrower must initial the changes. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 2 | 2 |
| XXXX | 2093762 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX when a XXXX is required. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, $XXXX in reserves, experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2093762 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093790 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: The Business Purpose and Non-Owner XXXX was not executed. Unable to determine statement of business purpose. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Mortgage provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093790 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Business Purpose Rider pages XXXX-XXXX are missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093790 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093790 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093777 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The business loan rider is missing the borrower name typed under the signature line. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The executed Business Purpose Rider has been reviewed and acceptable. The Letter of Intent cannot be used to cure the exception. Re-recording the document is the cure. Please provide evidence when the documents have been recorded. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093777 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093777 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093801 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: the Business Rider was provided but the box page XXXX of the Security Instrument does not indicate a Business Loan Rider is included or attached. The borrower is required to initial the changes made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Loan Fraud Report provided in rebuttal does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The mortgage did not have the checkbox corrected stating that the XXXX is included with the mortgage and the Correction Affidavit made no mention of the Business Loan Rider that is in question. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The executed Business Purpose Rider and initialed corrections on pg. XXXX to include the rider have been reviewed and acceptable. The Letter of Intent cannot be used to cure the exception. re-recording the document is the cure. Please provide evidence when the documents have been recorded. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093801 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a SLV for not meeting the minimum XXXX for an inexperienced investor. Compensating factors deem non-material. (waived) | Waived |  |  |  | Compensating factors: FICO XXXX, XXXX reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093801 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a SLV for not meeting the primary housing requirements for inexperienced investors. Compensating factors deem non-material. (waived) | Waived |  |  |  | Compensating Factors: FICO XXXX, XXXX months reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093801 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX with a CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093757 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing the prepayment addendum to note as referenced in section XXXX of note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Note with addendum attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093757 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | At application, the borrower owned and occupied XXXX for XXXX months and XXXX for XXXX years prior. Current residence was free and clear. Prior XXXX months of required mortgage payment history was missing. SLV provided due to compensating factors. (Waived) | Waived |  |  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2093757 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 3**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 2093628 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2093852 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 2 | 2 C B A |
| XXXX | 2093672 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A C |
| XXXX | 2093625 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A |
| XXXX | 2093691 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A |
| XXXX | 2096206 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A C |
| XXXX | 2091354 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2091319 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088427 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088472 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2086540 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2088448 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2091364 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2088434 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1714023 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2077431 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2076399 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1696188 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2091359 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091297 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091324 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091366 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091370 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2091296 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091316 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091313 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091315 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091318 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091349 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091351 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2091347 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2091352 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2091348 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2091345 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2091350 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2091323 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2091355 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091371 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091337 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2091305 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2091363 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2091336 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091344 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091361 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091368 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2091334 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2091303 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091317 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2091322 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091374 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091353 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088473 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088484 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2091298 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2088454 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2088443 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2088469 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2088479 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2088478 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2088476 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2088481 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2091329 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088451 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2091333 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2088450 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088457 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088463 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2091299 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091356 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2082260 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2088486 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2088482 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2091372 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2091300 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088426 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088464 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2091357 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091311 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2091325 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2088462 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091321 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088440 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2091373 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2088453 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2088455 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2088449 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2088456 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091332 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091295 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2088431 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091331 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2091312 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091302 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088461 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088485 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088480 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2088430 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088429 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091330 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091310 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091340 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2088475 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2091358 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091320 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091341 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091343 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091338 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088465 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091342 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091339 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091335 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091301 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2088471 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2091369 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2088474 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2088441 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2084047 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2081122 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2093643 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 2 | 1 C B A |
| XXXX | 2093657 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2093649 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2093665 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093793 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093740 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2096204 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093743 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2093742 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2093739 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093774 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093674 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093676 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093800 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093794 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093797 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2096199 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093695 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093717 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2096198 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093705 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093706 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093745 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A |
| XXXX | 2093722 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093723 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093736 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093720 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 2093746 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2093741 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093709 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2096200 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2096201 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093714 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093716 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093711 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093708 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093735 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2093650 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093653 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093763 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2093757 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093801 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093808 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093790 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093756 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093768 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093762 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2093782 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093744 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2093734 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2096202 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2093733 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2093766 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093732 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093647 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093778 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093769 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093754 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093777 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093753 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093700 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A |
| XXXX | 2093680 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093715 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093697 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093704 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093699 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093675 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093677 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093681 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093679 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093682 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093641 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093645 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A |
| XXXX | 2093791 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 3 | 1 C B A |
| XXXX | 2093632 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093738 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2096205 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093655 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093631 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093648 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 3 | 1 C B A |
| XXXX | 2093638 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2093807 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2096197 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093621 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093713 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2093707 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093696 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093702 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A |
| XXXX | 2093703 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A |
| XXXX | 2093698 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093661 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 2 | 1 | 3 | 1 C B A |
| XXXX | 2093712 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093617 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 3 | 1 C A B |
| XXXX | 2093764 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093760 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093799 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2093785 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093761 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2093784 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093767 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2093759 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A |
| XXXX | 2093779 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093659 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 1 | 1 | 3 | 1 C B A |
| XXXX | 2093651 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093789 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 3 | 1 C B A |
| XXXX | 2093751 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093770 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093752 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2096207 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093783 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093765 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2093693 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093639 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093629 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093689 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2093615 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2093660 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2093663 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2093620 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2093658 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2091307 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2088444 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2091289 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2091288 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2088435 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2088458 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2091309 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2088436 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2088446 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2088442 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 2 | 2 C B A |
| XXXX | 2093654 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 3 | 1 C B A |
| XXXX | 2093673 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 3 | 1 C B A |
| XXXX | 2091089 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2091088 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2091090 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089984 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2083825 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2083830 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089982 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089918 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2091084 | XXXX |  | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2091085 | XXXX |  | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2091083 | XXXX |  | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2091086 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2091078 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2091080 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089922 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089921 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2085635 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2083993 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2083994 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089920 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2085634 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089919 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089916 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2086465 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2091395 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2086466 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2091394 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089917 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2086219 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2077083 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2088359 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2089885 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2086357 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2084099 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2089905 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2088365 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2083523 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089903 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2083532 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2089914 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2086227 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2086352 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2090941 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2084110 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2090943 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 2086226 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2086232 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2088377 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2089889 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082084 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2088356 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2086340 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089897 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2089907 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2082102 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2084104 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2086238 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2086240 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2082099 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2089900 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2088367 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2082083 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2083519 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2083520 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2084109 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2090945 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2083535 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2086348 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2086337 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2089883 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2090939 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2084112 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2086245 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2089908 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2084108 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2088369 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089895 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2089901 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2086233 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2089898 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2089888 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2088373 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2086229 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2084100 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2088353 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2090940 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2086355 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2090937 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2089882 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082106 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2086235 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2086336 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089913 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2083526 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2088354 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082090 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089912 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2090944 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2088366 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2082097 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2084105 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2084115 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2089902 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2082109 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2090946 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2088376 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2084114 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2086231 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089892 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081744 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2086242 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2083525 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2083518 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2088371 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089881 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082085 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089899 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082103 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2086351 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2086354 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082105 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2088379 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2082104 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2088374 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2088355 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2082088 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2086228 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2088372 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2083530 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2079088 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2081743 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081736 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081749 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2079095 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2079104 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2077093 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082111 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2079096 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2081735 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2081740 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2077342 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2079352 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2086224 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2079357 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081742 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2079360 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2082087 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2079109 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2079342 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077336 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2077343 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2079093 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2081750 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2077328 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081748 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081737 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077327 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077089 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077339 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077091 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2079101 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2079348 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2077349 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2079349 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2079099 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2079345 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2077330 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2081741 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077351 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2081747 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2077340 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2077347 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2079102 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2079090 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2079359 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082089 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2077345 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2077329 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2079094 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 2079097 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2082107 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2077097 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077323 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077341 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2077326 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2079085 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081745 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2077338 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077335 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2079353 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077095 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2077333 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2086234 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2079110 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2079356 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2077334 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2082093 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070817 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2079351 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2079354 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2079106 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2079361 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2079358 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081752 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2079105 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089884 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2089911 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089894 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089909 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2089890 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2089915 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2090947 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2089904 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2089910 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089886 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2090938 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2090942 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2089887 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2089893 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2089906 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2089891 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2090933 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2090936 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 4 | 1 | 1 | 1 C B A D |
| XXXX | 2088375 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2082101 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2086244 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2084111 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081739 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2082108 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2081746 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2082082 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2090013 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2090009 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2090011 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2090012 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2090008 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2090010 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2086497 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2091396 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2085428 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2085429 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2089945 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089946 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2089947 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2089944 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093633 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2096196 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 3 | 1 C B A |
| XXXX | 2093666 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A |
| XXXX | 2093787 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2093690 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A |
| XXXX | 2093749 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093773 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | 2093748 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 2 | 2 C B A |
| XXXX | 2093771 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093724 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | 2093725 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093721 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093727 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093719 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093726 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093848 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093846 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093841 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093781 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093775 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093786 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093656 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 3 | 1 C B A |
| XXXX | 2093755 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2096203 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2093694 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2093780 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093776 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2093772 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093686 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 1 | 3 | 2 C B A |
| XXXX | 2093685 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093687 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093688 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2093855 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093684 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093692 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093683 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | 2093678 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2093624 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 4**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **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** | **ORIGINATION VALUES** | **AVM 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** | **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** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD 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** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 2091088 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.000% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091090 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091089 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093633 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -1.700% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 15.961% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 5.387% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 7.214% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 10.700% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 7.681% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 14.143% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 3.500% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096196 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093656 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 9.475% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093624 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -4.695% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 8.134% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -7.496% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 25.487% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | -2.280% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 36.537% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -19.068% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | -2.532% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093694 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -5.562% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -9.266% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -7.283% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -8.119% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -7.938% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -8.813% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -8.933% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 5.990% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 5.093% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | -8.425% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 5.459% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 7.126% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 19.794% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 26.209% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 22.745% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 4.698% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 19.202% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -1.806% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 2.879% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-13 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -8.067% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-14 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -4.296% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-15 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 9.297% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-16 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -13.218% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-17 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -3.065% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-18 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -9.483% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093684 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -0.525% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 21.856% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 6.982% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -1.636% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -22.470% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 14.421% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 4.821% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -10.718% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -2.734% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -2.075% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -15.150% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -9.944% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -51.429% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -3.719% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -100.000% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093855 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -5.172% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093678 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -5.722% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093692 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -8.247% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093683 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -19.249% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093688 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 3.409% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093687 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -3.835% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093686 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 26.114% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093685 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -0.459% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093724 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -11.824% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093725 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -9.364% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093721 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 17.786% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093727 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 17.379% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093719 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 18.514% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093726 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 15.153% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096203 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -1.060% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096206 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 12.618% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093776 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 3.754% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093780 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -1.033% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093772 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -1.581% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093755 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 6.390% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093775 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -0.200% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093771 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 0.164% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093781 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -4.192% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093773 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -31.371% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | -6.656% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093748 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -26.706% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093749 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 1.301% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093841 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -0.058% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093848 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 21.129% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093846 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 27.108% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093852 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093852-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093852-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -10.002% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093852-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -17.333% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 55.656% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 9.316% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 1.101% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 7.825% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 9.886% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 4.100% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 7.828% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | -15.385% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -42.447% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093786 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 0.621% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 33.767% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 3.293% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 2.552% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 2.552% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 2.552% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 2.552% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 4.632% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 4.632% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 4.632% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 4.632% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.648% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.821% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093657 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093649 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | -4.368% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093647 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093645-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093641 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093641-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093641-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093791 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093791-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093791-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093791-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-13 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-14 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-15 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-16 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-17 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-18 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-19 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-20 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-21 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-22 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-23 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-24 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-13 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-14 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-15 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-16 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-17 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-18 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-19 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-20 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-21 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-22 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-23 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-24 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-25 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-26 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-27 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-28 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-29 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-30 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-31 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093650 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093617 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-13 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-14 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-15 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093653 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.082% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-13 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-14 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-15 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-16 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.895% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-13 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-14 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-15 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-16 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-17 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.263% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-18 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.917% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093674 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093620 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | Desk Review | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.348% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | Desk Review | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | Desk Review | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | Desk Review | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | Desk Review | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.279% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.846% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.696% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093661-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093661-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093661-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093661-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093661-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093661-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093659 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093659-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093659-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093659-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093659-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093659-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093659-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093659-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093632 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093681 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093676 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093682 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093680 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093675 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.059% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093697 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093704 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093689 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093705 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093700 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.084% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.681% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.353% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.902% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096199 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093693 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093711 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093715 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093717 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.230% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.092% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.449% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.781% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096198 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096200 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096201 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093714 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.308% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093745 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.537% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093741 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093739 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093734 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093736 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093722 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093723 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093720 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093743 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093732 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093783-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093783-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093783-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093783-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093783-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093783-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093783-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093740 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096204 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096202 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093742 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093754 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2096207-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2096207-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2096207-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2096207-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2096207-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2096207-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2096207-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093765 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093765-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093765-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093765-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093765-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093765-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093765-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093765-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093752 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-11 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-12 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-13 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-14 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-15 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093778 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-09 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-10 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-11 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-12 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-13 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-14 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.738% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093768 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093753 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093769 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.746% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093763 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093756 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.128% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093808 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093799 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-13 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-14 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093800 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093794 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093797 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083825 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.875% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083830 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089984 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.072% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091080 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091078 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091084 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091084-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091084-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091086 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.676% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091085 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091085-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091085-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091083 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091083-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091083-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091083-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089918 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696188 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1714023 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088434 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088435 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091288 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091289 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082260 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077431 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091305 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091307 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088444 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088446 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088442 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -10.204% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088440 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081122 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2076399 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2085428 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089944 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088441 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088443 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088449 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088436 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 7.843% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091310 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088450 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091309 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091295 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088448 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091323 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088451 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088453 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088455 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088457 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090008 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090013 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090011 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090009 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090012 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090010 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2085429 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.756% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086497 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091396 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.062% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089945 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089946 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089947 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091324 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088456 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088458 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088454 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091311 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091325 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091322 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091321 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091320 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091341 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088462 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091343 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091337 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088465 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091339 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.626% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084047 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091351 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091347 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091350 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091352 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091349 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091345 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088463 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091344 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088464 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091355 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088461 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088471 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088473 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088474 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088472 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088469 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091353 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091369 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088479 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088478 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088476 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088481 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091370 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088475 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088480 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.524% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091368 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088485 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091364 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091373 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088486 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091374 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088484 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091299 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091298 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088482 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091296 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088427 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088429 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091297 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091300 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086540 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091372 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091371 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088430 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091303 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088431 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088426 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091301 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091312 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091317 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091316 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091313 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091315 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091302 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091319 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091318 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091329 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091330 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091331 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091332 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089982 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089917 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086466 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091394 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086465 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089916 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2091395 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089920 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089919 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083993 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2085634 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083994 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089921 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089922 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2085635 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090933 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079093 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086219 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070817 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077323 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079096 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077341 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079088 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077083 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081735 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079085 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077330 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084112 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084099 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081736 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077345 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083535 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082082 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088353 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079090 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077326 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084100 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077339 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077327 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077343 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077328 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079101 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090941 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077089 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086232 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082083 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079345 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077329 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083518 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084105 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077097 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082087 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081737 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079104 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079102 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | 1.374% | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082108 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079094 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079110 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079095 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077095 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079097 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079349 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.000% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  | XXXX | XXXX | -26.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079360 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.100% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083526 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082102 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081739 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077351 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081744 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081741 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079099 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086238 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.515% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089886 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079352 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086337 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082103 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082084 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081740 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082088 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079109 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089882 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082085 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077091 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089881 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081743 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079106 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089891 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079351 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083519 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082090 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084108 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086224 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077093 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081742 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082089 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077347 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079353 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081750 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088355 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079105 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082107 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084114 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081752 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086229 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082099 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086352 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083520 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086234 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082101 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084115 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086226 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082097 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088371 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086227 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086228 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2077349 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082093 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081745 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088369 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089883 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081747 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082111 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089884 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084104 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088367 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082106 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081746 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081749 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083523 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089904 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083530 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2081748 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084109 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2079361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082104 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086231 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082105 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2082109 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084110 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089885 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088377 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086233 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089910 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086355 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088373 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089914 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090938 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089887 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.550% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083532 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2083525 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089888 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089890 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086235 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2084111 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088379 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088372 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086242 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089889 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090936 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089902 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089907 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089911 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088374 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090939 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089913 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086240 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086245 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090937 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086244 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090944 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089909 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089893 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089892 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089894 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086351 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089895 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089915 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088375 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2086354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089897 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090945 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089898 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089912 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089906 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089899 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089901 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089900 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090943 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090940 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089903 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2088376 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089905 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090947 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090942 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2090946 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2089908 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093793 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093699 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093679 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093677 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093695 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093706 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093716 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093708 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing | XXXX | XXXX | 2.151% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093735 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093709 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093746 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093766 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093733 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093782 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093774 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093744 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093762 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093790 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093777 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093801 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2093757 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 5**

---

| | |
|:---|:---|
| **Report Pulled:** | 11/25/2025 |
| **Loan Count:** | 534 / 1049 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 24 | 4.49% |
| Appraised Value | 25 | 2.38% |
| CLTV | 56 | 10.47% |
| Debt Service Coverage Ratio | 233 | 43.55% |
| First Payment Due Date | 3 | 0.56% |
| Loan Purpose | 11 | 2.06% |
| LTV | 37 | 6.92% |
| Maturity Date | 6 | 1.12% |
| Original Interest Rate | 10 | 1.87% |
| Original Loan Amount | 16 | 2.99% |
| Original Qualifying FICO Score | 25 | 4.67% |
| Origination/Note Date | 9 | 1.68% |
| Originator Back-End DTI | 17 | 3.18% |
| Property Type | 43 | 4.10% |
| Sales Price | 4 | 0.38% |
| Subject State | 3 | 0.29% |
| Subject Street Address | 7 | 0.67% |
| Subject Zipcode | 2 | 0.19% |
| The Original Principal and Interest Payment Amount | 5 | 0.93% |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 6**

---

| | |
|:---|:---|
| **Report Pulled:** | 11/21/2025 |
| **Loan Count:** | 535 / 1049 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2091088 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2091090 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093633 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093633 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093656 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093656 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093656 | XXXX | Property Type | Single Family | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2093624 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093625 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093694 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093672 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093672 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093690 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093690 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093690 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093690 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2093691 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093691 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2093678 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093687 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093687 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093687 | XXXX | Loan Purpose | Cash Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2093687 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093686 | XXXX | Loan Purpose | Cash Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2093724 | XXXX | Original Qualifying FICO score | XXXX | XXXX |
| XXXX | XXXX | 2093727 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093727 | XXXX | Loan Purpose | Cash Out | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2096203 | XXXX | Original Qualifying FICO score | XXXX | XXXX |
| XXXX | XXXX | 2096206 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093776 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093780 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093755 | XXXX | Original Qualifying FICO score | XXXX | XXXX |
| XXXX | XXXX | 2093781 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093773 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093749 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093848 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093846 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093852 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093852 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093852-01 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | XXXX | 2093787 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093787 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093787 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093787 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093786 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093628 | XXXX | Original Qualifying FICO score | XXXX | XXXX |
| XXXX | XXXX | 2093643 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093665 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093665-03 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2093629 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093629 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093629 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093629-02 | XXXX | Property Type | TH | Single Family Detached non-PUD |
| XXXX | XXXX | 2093629-04 | XXXX | Property Type | TH | Single Family Detached non-PUD |
| XXXX | XXXX | 2093629-05 | XXXX | Property Type | TH | Single Family Detached non-PUD |
| XXXX | XXXX | 2093649 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093649 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093649 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | XXXX | 2093647 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093647 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093647 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093647 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093645 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093645 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093645 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093645 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093641 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093641 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093641 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093641 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093641 | XXXX | Loan Purpose | Cash Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2093641 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093641 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093641-01 | XXXX | Property Type | Multi-Family | Townhouse |
| XXXX | XXXX | 2093641-01 | XXXX | Subject State | WI | UT |
| XXXX | XXXX | 2093791 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093791 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093791 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093791 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093791 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093651 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093651 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093673 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093654 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093654 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093650 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093650 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093617 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093617 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093617 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093617 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093617 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093617 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093617 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093653 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093653 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093653 | XXXX | Property Type | Single Family | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2096197 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2096197 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2096197 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2096197 | XXXX | Loan Purpose | Cash Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2096197 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2096197 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2096197 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2096197 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2096197-01 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2096197-02 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2096197-03 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2096197-04 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2096197-05 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2096197-06 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2096197-07 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2096197-08 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2096197-09 | XXXX | Property Type | Condo low rise | Townhouse |
| XXXX | XXXX | 2093638 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093638 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093638 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093638 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093638 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093638 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093638 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093638 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093648 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093648 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093648 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093648 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093648 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093648-03 | XXXX | Property Type | Town House/Row House | 2 Family |
| XXXX | XXXX | 2093648-07 | XXXX | Property Type | Town House/Row House | Single Family Detached non-PUD |
| XXXX | XXXX | 2093648-08 | XXXX | Property Type | Town House/Row House | Single Family Detached non-PUD |
| XXXX | XXXX | 2093655 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093655 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093655 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093655 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093655 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093631 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093631 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093631 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093631 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093631 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093674 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093674 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093674 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093674 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093674 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093620 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093658 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093658 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093658 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093658 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093660 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093660 | XXXX | Loan Purpose | Cash Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2093615 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093663 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093639 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093639 | XXXX | Loan Purpose | Rate/Term Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2093621 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093621 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093621 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093621 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093621 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093621-01 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093621-02 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093621-03 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093621-04 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093621-05 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093621-06 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093621-07 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093621-08 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093621-09 | XXXX | Property Type | Condo low rise | 1 Family Attached |
| XXXX | XXXX | 2093661 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093661 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093659 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093659 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093659-01 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-02 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-03 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-04 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-05 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-06 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-07 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-08 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-09 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093659-10 | XXXX | Property Type | Pud | 1 Family Attached |
| XXXX | XXXX | 2093632 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093632 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093676 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093676 | XXXX | Property Type | Single Family | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2093682 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093682 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093682 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093682 | XXXX | Property Type | Single Family | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2093680 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093680 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093680 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093680 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093680 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093680 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093680 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093675 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2093675 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093675 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093675 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093675 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2093675 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2093675 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093697 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093689 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093705 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093705 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093700 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093702 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093702 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093703 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093696 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2096199 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2096199 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093693 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093693 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093693 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093711 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093711 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093711 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093715 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093717 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093717 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093698 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093698 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2096198 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2096200 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2096200 | XXXX | Loan Purpose | Cash Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2096201 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093714 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093714 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093714 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093714 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2093745 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093745 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093745 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093745 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093712 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093741 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093741 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093741 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093741 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093739 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093739 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093739 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093734 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093736 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093722 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093723 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093720 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093743 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093743 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093732 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093732 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093783 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093740 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2096204 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093738 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093738 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093738 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2096205 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2096205 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093754 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2096207 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093765 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093752 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093752 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093789 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093770 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093770 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093769 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093763 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093763 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2093756 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093756 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2093785 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093785 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093785 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093784 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093767 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093760 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093760 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2093799 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093799 | XXXX | Loan Purpose | Cash Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2093764 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093807 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2093807 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093800 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2093794 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093794 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093797 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2083825 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2083825 | XXXX | Subject State | XXXX | XXXX |
| XXXX | XXXX | 2083825 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2083830 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2083830 | XXXX | Subject State | XXXX | XXXX |
| XXXX | XXXX | 2083830 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2089984 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089984 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2091080 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091078 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091086 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091083 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2091083 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2089918 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2089918 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2089918 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2089918 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 1696188 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1696188 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1714023 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2088434 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2088435 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088435 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2091288 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091289 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2082260 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2082260 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2077431 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091305 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091307 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091307 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2091307 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2088444 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088446 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2088446 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2088446 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2088442 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2088440 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2081122 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2076399 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2085428 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089944 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2089944 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2089944 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2089944 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2089944 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2088441 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088443 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088449 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088436 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091310 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088450 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091309 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091295 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088448 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091323 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088451 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2088451 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088451 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2088453 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088455 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088457 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2090008 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2090011 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2090011 | XXXX | Property Type | Townhouse | 1 Family Attached |
| XXXX | XXXX | 2090012 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2085429 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2085429 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2085429 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2085429 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2085429 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2086497 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2089945 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2089945 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089945 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2089945 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2089947 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089947 | XXXX | Loan Purpose | INVESTMENT | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2089947 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2091324 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088456 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2088456 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088458 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088454 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2088454 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091311 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091325 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091322 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091321 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091320 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091341 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088462 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091343 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091337 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091338 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088465 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091342 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091339 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091335 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091340 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091340 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2084047 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091336 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091351 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091347 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091350 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091352 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091349 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091348 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091345 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088463 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091344 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088464 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091355 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088461 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091357 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091357 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2088471 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088473 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2088473 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088473 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2091354 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091356 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2091356 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091356 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2088474 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091361 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091359 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088472 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091358 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091358 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2088469 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091353 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091353 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2091369 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088479 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088478 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088476 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088481 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091366 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091370 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088475 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088480 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091368 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2091368 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088485 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091364 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091363 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091373 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091373 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2088486 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091374 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088484 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091299 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091298 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088482 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091296 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088427 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2088429 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091297 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091300 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2086540 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091372 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091371 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088430 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091303 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088431 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088431 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2088426 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091301 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091312 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091317 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091316 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091313 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091315 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091302 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091319 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2091318 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091329 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091334 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091330 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091333 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091331 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2091332 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089917 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2089919 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089919 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2089921 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2070817 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2070817 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2070817 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2070817 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2088356 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2088356 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2079348 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2089886 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089891 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2088371 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | XXXX | 2089904 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2090938 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089887 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2090936 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089911 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089893 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089894 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089915 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2089906 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2090947 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2090947 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2093793 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093793 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093699 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093699 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093679 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093677 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093677 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093695 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093695 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093706 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093716 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093716 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093716 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093708 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093708 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093735 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093709 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093746 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093766 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093733 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093782 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093774 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093774 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2093744 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093762 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093790 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093790 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2093777 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093801 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093757 | XXXX | CLTV | XXXX | XXXX |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** |
| XXXX | 2093633 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096196 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 |  | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | QM Exempt | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093656 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | QM Exempt | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093624 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093694 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | Non-Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093684 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | Non-Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | Non-Permanent Resident Alien |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093855 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093678 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093692 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093683 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093688 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093687 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093686 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093685 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093724 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093725 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093721 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093727 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093719 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093726 | 30 Yr Fixed Lite Doc | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096203 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096206 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093776 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093780 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093772 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093755 | DSCR Fixed Rate 30yr term | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093775 | DSCR Fixed Rate 30yr term | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093771 | 30 Yr Fixed Lite Doc | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093781 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093773 | DSCR Fixed Rate 30yr term | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093748 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093749 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093841 | 30 Yr Fixed Lite Doc | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093848 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093846 | 30 Yr Fixed Lite Doc | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093852 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787 | 30 Yr Fixed Lite Doc | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093786 | 30 Yr Fixed Lite Doc | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628 | 30 Year Investor Product WITH Prepayment Penalty | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 |  | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643 | DSCR Multi Property 30yr Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 |  | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 1 |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 |  | U.S. Citizen |  |  | 0 | 0 |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093657 | 30 Yr DSCR w/5 Yr IO (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 |  | U.S. Citizen |  |  | 0 | 1 |  |  | QM Exempt | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093649 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | QM Exempt | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093647 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 |  | U.S. Citizen |  |  | 0 | 1 |  |  | QM Exempt | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 |  | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 |  | U.S. Citizen |  |  | 0 | 1 |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093791 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 |  | U.S. Citizen |  |  | 0 | 0 |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 |  | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 |  | U.S. Citizen |  |  | 0 | 1 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093650 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093653 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093674 | 30 Yr DSCR w/10 Yr IO (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | QM Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661 | 30 Yr DSCR w/5 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632 | 30 Yr DSCR w/5 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093681 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093676 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093682 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093680 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093675 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093697 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093704 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689 | 30 Yr DSCR w/5 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093705 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093700 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096199 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093711 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093715 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093717 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096198 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | Permanent Resident Alien | Permanent Resident Alien |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096200 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096201 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093714 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093745 | 30 Yr DSCR w/10 Yr IO (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093741 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093739 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093734 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093736 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093722 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093723 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093720 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093743 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093732 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093740 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096204 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096202 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205 | DSCR Fixed Rate 30yr term | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093742 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093754 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093778 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident Alien |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770 | 30 Yr DSCR w/5 Yr IO (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093768 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093753 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093769 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093763 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093756 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093808 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799 | 30 Yr Fixed DSCR (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764 | DSCR Fixed Rate 30yr term | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807 | 30 Yr DSCR w/10 Yr IO (multiple properties) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093800 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093794 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093797 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093793 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093699 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093679 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093677 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093695 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093706 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093716 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093708 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093735 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | Non-Permanent Resident Alien |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093709 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093746 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093766 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093733 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093782 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093774 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093744 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093762 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093790 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093777 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093801 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093757 | 30 Yr Fixed DSCR (single property) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696188 | Investor - DSCR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1714023 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088434 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088435 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.011 | 2500.00 | 2471.79 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091288 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.308 | 7100.00 | 5427.91 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091289 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.652 | 4595.00 | 2780.89 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082260 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.05 | 1780.00 | 1694.74 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077431 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091305 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.453 | 11725.00 | 8068.88 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091307 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.547 | 4600.00 | 2974.30 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088444 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.596 | 4500.00 | 2819.13 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088446 | AHL CORR - NON-DEL Rising Star - Business Purpose - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088442 | AHL CORR - NON-DEL Rising Star - Business Purpose - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088440 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.005 | 1050.00 | 1044.84 | 3 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081122 | AHL WS Rising Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076399 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088441 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.272 | 1100.00 | 864.47 | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088443 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.036 | 1200.00 | 1158.78 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088449 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.456 | 3516.67 | 2415.18 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088436 | AHL CORR - NON-DEL All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091310 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.119 | 2300.00 | 2055.09 | 2 | 2 | U.S. Citizen |  |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088450 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.199 | 900.00 | 750.46 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091309 | AHL CORR - NON-DEL Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.255 | 2050.00 | 1633.63 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091295 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.662 | 12404.40 | 7464.25 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088448 | AHL Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091323 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.717 | 19468.00 | 11340.85 | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088451 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.056 | 1700.00 | 1610.23 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088453 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.485 | 11766.00 | 7925.22 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088455 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.551 | 4700.00 | 3030.64 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088457 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.263 | 1250.00 | 989.65 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091324 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 0.86 | 1800.00 | 2093.48 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088456 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | 1.013 | 4500.00 | 4443.20 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088458 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.321 | 2300.00 | 1741.25 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088454 | AHL WS Invest Star - Fixed 40 Yr I/O (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.305 | 11260.00 | 8625.48 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091311 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.182 | 1030.00 | 871.61 | 3 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091325 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.155 | 995.00 | 861.29 | 3 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091322 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.37 | 995.00 | 726.52 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091321 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.024 | 1034.00 | 1009.56 | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091320 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.04 | 1215.00 | 1168.22 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091341 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.143 | 1416.00 | 1238.55 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088462 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.175 | 1195.00 | 1017.23 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091343 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.153 | 1375.00 | 1192.56 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091337 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.951 | 1705.00 | 874.11 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091338 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.264 | 1475.00 | 1166.56 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088465 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.091 | 1250.00 | 1145.52 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091342 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.305 | 1496.00 | 1146.69 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091339 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.006 | 1150.00 | 1142.63 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091335 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.11 | 1981.00 | 1784.98 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091340 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.305 | 13950.00 | 10691.92 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084047 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091336 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1 | 1600.00 | 1599.52 | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091351 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.313 | 1300.00 | 989.76 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091347 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.564 | 1300.00 | 831.05 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091350 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.409 | 1440.00 | 1021.84 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091352 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.526 | 1300.00 | 851.63 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091349 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.299 | 1000.00 | 769.96 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091348 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.313 | 1350.00 | 1028.16 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091345 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.391 | 1250.00 | 898.69 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088463 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.896 | 10350.00 | 5458.88 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091344 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.363 | 1225.00 | 898.85 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088464 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.371 | 4000.00 | 2918.40 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091355 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.188 | 4425.00 | 3726.18 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088461 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.196 | 8000.00 | 6686.64 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091357 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 0.774 | 2200.00 | 2842.56 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088471 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.306 | 1600.00 | 1225.52 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088473 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | 1.001 | 3200.00 | 3195.56 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091354 | AHL WS All Star - Fixed 30 Yr | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091356 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | 1.003 | 7500.00 | 7474.08 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088474 | AHL Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.1 | 6518.00 | 5923.54 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091361 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.246 | 1285.00 | 1031.51 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091359 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.306 | 1750.00 | 1339.66 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088472 | AHL Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091358 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.557 | 2100.00 | 1348.78 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088469 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.429 | 1395.00 | 976.16 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091353 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.442 | 1000.00 | 693.58 | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091369 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.017 | 1400.00 | 1377.24 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088479 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.216 | 1250.00 | 1028.27 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088478 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.186 | 1160.00 | 978.31 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088476 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.166 | 1195.00 | 1024.91 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088481 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.431 | 1595.00 | 1114.43 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091366 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.014 | 1795.00 | 1770.67 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091370 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.204 | 3000.00 | 2490.74 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088475 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.051 | 2000.00 | 1902.07 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088480 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 0.82 | 4500.00 | 5484.55 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091368 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | 1.023 | 7125.00 | 6963.98 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088485 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.689 | 5000.00 | 2959.47 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091364 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091363 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.002 | 1600.00 | 1596.19 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091373 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.135 | 7950.00 | 7006.38 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088486 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.788 | 1340.00 | 749.51 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091374 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.343 | 4852.00 | 3613.73 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088484 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.064 | 1775.00 | 1667.68 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091299 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.017 | 2400.00 | 2359.88 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091298 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.082 | 1100.00 | 1016.51 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088482 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 2.809 | 2110.00 | 751.26 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091296 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.916 | 2800.00 | 1461.46 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088427 | AHL Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 3 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088429 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.051 | 3695.00 | 3514.39 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091297 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.476 | 1600.00 | 1084.03 | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091300 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.003 | 2560.00 | 2552.94 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086540 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091372 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | 1.276 | 13985.00 | 10963.25 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091371 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.023 | 2505.00 | 2447.83 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088430 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.274 | 2250.00 | 1766.68 | 4 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091303 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.371 | 1750.00 | 1276.78 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088431 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.29 | 3000.00 | 2326.42 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088426 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.234 | 2300.00 | 1864.41 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091301 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.036 | 13380.00 | 12911.76 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091312 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.562 | 1400.00 | 896.35 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091317 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.675 | 1600.00 | 955.04 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091316 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.622 | 3000.00 | 1849.82 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091313 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.497 | 3100.00 | 2071.40 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091315 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.646 | 3300.00 | 2004.53 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091302 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.242 | 1395.00 | 1123.00 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091319 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091318 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.4 | 3000.00 | 2142.33 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091329 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.208 | 2350.00 | 1946.11 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091334 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.112 | 2195.00 | 1974.72 | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091330 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.148 | 2995.00 | 2608.94 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091333 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.078 | 3800.00 | 3524.53 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091331 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.037 | 3250.00 | 3135.14 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091332 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | 1.197 | 1800.00 | 1504.31 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091088 | 30 Year Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091090 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | 1.117 | 2200.00 | 1969.10 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091089 | 30 Year Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083825 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083830 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089984 |  | DSCR | 0 | 11 months or less income verification | 1.151 | 2150.00 | 1867.35 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091080 |  | DSCR | 0 | 11 months or less income verification | 1.101 | 2823.00 | 2562.99 | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091078 |  | DSCR | 0 | 12 to 23 months income verification | 1.428 | 2602.50 | 1822.24 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091084 |  | DSCR | 0 | 11 months or less income verification | 1.25 | 3775.00 | 3019.31 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091086 |  | DSCR | 0 | 11 months or less income verification | 1.497 | 2050.00 | 1368.96 | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091085 |  | DSCR | 0 | 11 months or less income verification | 1.222 | 3900.00 | 3192.15 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091083 |  | DSCR | 0 | 11 months or less income verification | 1.329 | 5400.00 | 4062.77 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089918 | 30 year fixed IO | DSCR | 0 | 11 months or less income verification | 1.001 | 4100.00 | 4096.57 | 1 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090008 | Single Property Rental | DSCR | 0 | 11 months or less income verification | 0.922 | 2200.00 | 2384.83 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090013 | Single Property Rental | DSCR | 0 | 11 months or less income verification | 1.421 | 3100.00 | 2181.91 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090011 | Single Property Rental | DSCR | 0 | 11 months or less income verification | 1.237 | 1450.00 | 1172.16 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090009 | Single Property Rental | DSCR | 0 | 11 months or less income verification | 1.11 | 2275.00 | 2049.09 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090012 | Single Property Rental | DSCR | 0 | 11 months or less income verification | 1.115 | 2075.00 | 1861.52 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090010 | Single Property Rental | DSCR | 0 | 11 months or less income verification | 1.059 | 6000.00 | 5665.35 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2085428 |  | DSCR | 0 | 11 months or less income verification | 1.319 | 3680.00 | 2790.37 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089944 | DSCR | DSCR | 0 | 11 months or less income verification | 1.166 | 2150.00 | 1844.07 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2085429 |  | DSCR | 0 | 11 months or less income verification | 1.44 | 5500.00 | 3819.99 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086497 |  | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091396 |  | DSCR | 0 | 11 months or less income verification | 1.873 | 6000.00 | 3202.93 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089945 | DSCR | DSCR | 0 | 11 months or less income verification | 1.648 | 2250.00 | 1365.46 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089946 | DSCR | DSCR | 0 | 11 months or less income verification | 1.223 | 850.00 | 695.10 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089947 | DSCR 30 Yr Fixed | DSCR | 0 | 11 months or less income verification | 1.048 | 3190.00 | 3043.09 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089982 | 30 YR | DSCR | 0 | 11 months or less income verification | 1.524 | 2500.00 | 1640.18 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089917 | Fixed | DSCR | 0 | 11 months or less income verification | 1.872 | 2400.00 | 1282.38 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086466 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091394 | Fixed | DSCR | 0 | 11 months or less income verification | 1.299 | 1998.00 | 1537.90 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086465 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089916 | Fixed | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091395 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089920 | AQM30EP | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089919 | AQM30DI | DSCR | 0 | 11 months or less income verification | 1.224 | 2000.00 | 1633.58 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083993 | AQM30EP | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2085634 | AQM30EP | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083994 | AQM30EP | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089921 | AQM30EP | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089922 | AQM30EP | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2085635 | AQM30EP | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090933 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.751 | 3580.00 | 2044.49 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079093 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086219 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070817 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077323 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079096 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077341 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079088 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077083 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081735 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079085 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077330 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084112 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084099 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081736 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077345 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079342 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083535 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082082 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088353 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079090 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077326 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | Non-QM Verified | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084100 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077339 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077327 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077343 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077328 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079101 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090941 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077089 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086232 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077335 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082083 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079345 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077329 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083518 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084105 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077342 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088356 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077097 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082087 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081737 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079354 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079104 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079102 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082108 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079094 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086336 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079110 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077333 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077334 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077338 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079095 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077336 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077095 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079097 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079349 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079360 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083526 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082102 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081739 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077351 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079348 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081744 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081741 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079359 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077340 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079099 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086238 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089886 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.133 | 4500.00 | 3971.99 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079352 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079358 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079357 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086337 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082103 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079356 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082084 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081740 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082088 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079109 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089882 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082085 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077091 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089881 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081743 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079106 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089891 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.147 | 3700.00 | 3227.02 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088354 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079351 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083519 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082090 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084108 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086224 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077093 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081742 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082089 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077347 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079353 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081750 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086340 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088355 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079105 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082107 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084114 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081752 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086229 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082099 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086352 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083520 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086234 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082101 | Non-QM 30 Year Fixed Bank Statement (Asset Depletion) / Flex Income E39 | Asset Related | 1 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084115 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086226 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 3 | Permanent Resident-Alien | U.S. Citizen | U.S. Citizen |  | 1 | 0 | 1 |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082097 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088371 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086227 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086228 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077349 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082093 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081745 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088369 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089883 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081747 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082111 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089884 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.201 | 1675.00 | 1395.20 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084104 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088367 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082106 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081746 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081749 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083523 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089904 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.167 | 3300.00 | 2827.97 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083530 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2081748 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084109 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079361 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082104 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088366 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086231 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082105 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082109 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084110 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089885 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088377 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086233 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089910 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.005 | 1900.00 | 1889.74 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086357 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086355 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088373 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089914 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090938 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | 1.293 | 4225.00 | 3267.99 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089887 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.631 | 3000.00 | 1839.22 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083532 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2083525 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088359 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089888 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089890 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 0.884 | 2500.00 | 2829.22 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086235 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084111 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088379 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088372 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086242 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089889 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090936 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.198 | 1300.00 | 1085.31 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089902 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089907 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089911 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.041 | 5390.00 | 5180.01 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088365 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088374 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090939 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089913 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086240 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086348 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086245 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090937 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086244 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090944 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089909 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.489 | 2900.00 | 1947.20 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089893 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.373 | 1725.00 | 1256.55 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089892 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089894 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.399 | 1300.00 | 929.54 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086351 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089895 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089915 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.021 | 1400.00 | 1371.52 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088375 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2086354 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089897 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090945 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089898 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089912 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089906 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.165 | 1625.00 | 1395.01 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089899 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089901 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089900 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090943 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090940 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089903 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088376 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089905 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090947 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.409 | 2900.00 | 2058.79 | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090942 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | 1.294 | 1600.00 | 1236.10 | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090946 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089908 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 2091088 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 29048.78 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091090 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.117 | Market Survey | 1969.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091089 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 14 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 9919.32 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093633 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 8 |  |  | Trust |  | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 1 | 1 |  | 0 | 0 | XXXX |  |  |  |  |  | 1.14 |  | 8790.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093633-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | Business Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093633-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096196 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | No |  | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX |  |  |  |  | 0.99 | Lease | 3235.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093656 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No |  | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.73 | Market Survey | 5638.77 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093624 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.81 | Lease | 1536.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093625 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.28 |  | 6396.66 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093625-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093625-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093694 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.83 | Market Survey | 5684.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093672 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.08 |  | 7840.13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093672-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093672-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666 | GQM Exempt - Business Purpose | N/A | Business Purpose | 0 | 0 |  | 0 |  | 18 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.08 |  | 32288.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093666-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-11 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-12 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-13 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-14 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-15 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-16 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-17 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093666-18 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093684 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.99 | Market Survey | 3419.11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093690 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 9 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.07 |  | 16313.18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093690-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-06 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093690-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.05 |  | 7844.66 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093691-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093691-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093855 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.75 | Market Survey | 4237.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093678 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.93 | Market Survey | 2975.94 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093692 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.77 | Market Survey | 2642.07 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093683 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 6863.43 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093688 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.86 | Lease | 3154.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093687 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.09 | Market Survey | 2126.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093686 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.83 | Market Survey | 4331.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093685 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.75 | Lease | 3609.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093724 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.75 | Lease | 2003.76 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093725 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.75 | Market Survey | 1934.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093721 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.75 | Lease | 3346.87 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093727 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.76 | Lease | 2828.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093719 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.75 | Lease | 3723.94 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093726 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.77 | Lease | 3619.29 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096203 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.89 | Market Survey | 3946.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096206 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.87 | Market Survey | 3379.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093776 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.86 | Market Survey | 2530.63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093780 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.95 | Market Survey | 2214.85 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093772 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.88 | Market Survey | 1881.09 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093755 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.91 | Market Survey | 2776.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093775 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.94 | Lease | 1595.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093771 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Trust |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.75 | Lease | 2473.55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093781 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.96 | Market Survey | 2552.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093773 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.75 | Market Survey | 4676.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.91 | Market Survey | 3067.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093749 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.77 | Market Survey | 2521.05 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.75 | Lease | 1658.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093848 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.89 | Market Survey | 2578.57 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093846 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.8 | Lease | 7400.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093852 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 12 |  |  | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.18 |  | 12188.07 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093852-01 |  |  |  |  |  |  |  |  | 4 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093852-02 |  |  |  |  |  |  |  |  | 4 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093852-03 |  |  |  |  |  |  |  |  | 4 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 13 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.15 |  | 15844.12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093787-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-02 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-03 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-04 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-05 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093787-08 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093786 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.86 | Market Survey | 1858.42 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093628 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.04 |  | 7668.29 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093628-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093628-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.08 |  | 7719.74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093643-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093643-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 7 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.07 |  | 7014.9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093665-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093665-04 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 12 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.65 |  | 11220.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093629-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-06 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093629-12 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093657 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No |  | 0 | 1 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.93 | Market Survey | 2157.87 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093649 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No |  | 0 | 1 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.99 | Market Survey | 2529.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093647 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.77 | Market Survey | 2447.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093645 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 9 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.03 |  | 26257.72 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093645-01 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645-04 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093645-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.21 |  | 7129.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093641-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641-03 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641-04 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093641-05 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093791 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.12 |  | 3771.42 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093791-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093791-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093791-03 |  |  |  |  |  |  |  |  | 3 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1 |  | 13476.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093651-01 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-04 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093651-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673 | GQM Exempt - Business Purpose | N/A | Business Purpose | 0 | 0 |  | 0 |  | 24 |  |  | Trust |  | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  | 1.12 |  | 22408.7833 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093673-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-12 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-13 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-14 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-15 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-16 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-17 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-18 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-19 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-20 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-21 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-22 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-23 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093673-24 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 35 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.09 |  | 32195.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093654-01 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-12 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-13 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-14 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-15 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-16 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-17 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-18 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-19 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-20 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-21 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-22 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-23 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-24 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-25 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-26 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-27 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-28 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-29 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-30 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093654-31 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093650 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.84 | Market Survey | 2678.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093617 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 15 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.01 |  | 34681.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093617-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-12 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-13 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-14 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093617-15 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093653 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.72 | Market Survey | 2627.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096197 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 9 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.18 |  | 6226.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096197-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096197-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 6 |  |  | Other | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 0.93 |  | 9812.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093638-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093638-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 17 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.22 |  | 16733.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093648-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-03 |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-12 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-13 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-14 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-15 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093648-16 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 21 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.23 |  | 19411.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093655-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-04 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-09 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-12 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-13 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-14 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-15 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-16 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-17 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093655-18 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 12 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.13 |  | 13722.36 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093631-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-06 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093631-12 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093674 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 | 1 | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.95 | Market Survey | 3143.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093620 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.02 |  | 5925.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093620-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093620-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.11 |  | 8678.39 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093658-01 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658-02 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658-03 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093658-04 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.16 |  | 8393.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093660-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093660-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.17 |  | 6602.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093615-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093615-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.05 |  | 3818.07 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093663-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093663-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.22 |  | 16741.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093639-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-06 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093639-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 9 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.13 |  | 6214.15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093621-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093621-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.14 |  | 17466.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093661-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093661-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 1.07 |  | 17515.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093659-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093659-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 0.98 |  | 7954.17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093632-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093632-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093681 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 4381.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093676 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.76 | Market Survey | 3943.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093682 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.92 | Market Survey | 1881.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093680 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.91 | Market Survey | 2236.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093675 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 1653.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093697 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.9 | Lease | 3206.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093704 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.9 | Lease | 3206.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093689 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.2 |  | 11310.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093689-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093689-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093705 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.96 | Market Survey | 3994.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093700 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.77 | Market Survey | 3797.24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093702 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 12 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.37 |  | 14021.68 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093702-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093702-10 |  |  |  |  |  |  |  |  | 3 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.45 |  | 10615.13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093703-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093703-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 15 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.51 |  | 13525.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093696-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-08 |  |  |  |  |  |  |  |  | 3 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-09 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093696-10 |  |  |  |  |  |  |  |  | 3 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096199 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.77 | Market Survey | 3448.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093693 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.11 |  | 9565.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093693-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093693-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093711 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 3771.27 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093715 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.84 | Market Survey | 2617.17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093717 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 2877.57 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093698 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 11 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.19 |  | 13785.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093698-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-06 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093698-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.01 |  | 3844.14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093713-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093713-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 9 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.06 |  | 18222.72 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093707-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093707-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096198 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.79 | Lease | 7425.32 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096200 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.85 | Lease | 2709.11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2096201 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.9 | Market Survey | 2783.22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093714 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.88 | Market Survey | 2095.42 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093745 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.96 | Market Survey | 1669.69 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093712 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.35 |  | 12683.83 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093712-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093712-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093741 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Inter Vivos Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.82 | Lease | 3358.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093739 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.98 | Market Survey | 2396.19 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.86 | Lease | 1520.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093736 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.94 | Market Survey | 3550.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093722 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.93 | Market Survey | 3398.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093723 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.89 | Market Survey | 3539.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093720 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.89 | Market Survey | 3549.68 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093743 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.96 | Market Survey | 2486.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093732 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.95 | Market Survey | 5730.93 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093783 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.16 |  | 16771.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093783-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093783-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093740 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.86 | Market Survey | 4376.82 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096204 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.95 | Lease | 1575.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096202 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 5175.18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093738 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.21 |  | 11406.06 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093738-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093738-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 |  |  | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.05 |  | 5918.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096205-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096205-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093742 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.75 | Market Survey | 2158.07 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093754 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.81 | Market Survey | 10128.86 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096207 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.19 |  | 16446.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096207-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096207-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.16 |  | 16670.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093765-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093765-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 15 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.68 |  | 11441.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093752-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-12 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-13 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-14 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093752-15 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093778 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 6474.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093751 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.18 |  | 7527.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093751-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093751-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 17 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.14 |  | 15152.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093789-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-06 |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-09 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-10 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-11 |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-12 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-13 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093789-14 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 12 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.11 |  | 19148.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093770-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093770-12 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093768 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.88 | Market Survey | 4319.36 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093753 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 2006.53 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093769 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 5434.42 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093759 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.06 |  | 6848.69 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093759-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093759-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093763 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.9 | Market Survey | 1506.91 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093756 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.89 | Market Survey | 5307.06 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093785 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.05 |  | 9638.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093785-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093785-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.11 |  | 11098.15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093784-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-05 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093784-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.12 |  | 8444.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093767-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093767-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.13 |  | 12936.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093761-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-02 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-06 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093761-07 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 9 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.14 |  | 21336.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093760-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-02 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093760-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.07 |  | 21870.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093779-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093779-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093808 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.75 | Lease | 2664.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093799 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 14 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.12 |  | 18042.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093799-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-11 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-12 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-13 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093799-14 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.18 |  | 7107 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093764-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093764-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.3 |  | 13187.05 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093807-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093807-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093800 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.92 | Market Survey | 3822.79 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093794 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.8 | Lease | 2998.41 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093797 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.89 | Lease | 3487.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2083825 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11647.1 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 11 | 0 | 0 | 3 |
| XXXX | 2083830 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 35 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 38862.32 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089984 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.151 | Market Survey | 1867.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091080 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.101 | Lease | 2562.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091078 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.428 | Lease | 1822.24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091084 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.25 |  | 3019.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091084-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091084-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091086 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.497 | Market Survey | 1368.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091085 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.222 |  | 3192.15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091085-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091085-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091083 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.329 |  | 4062.77 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091083-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091083-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091083-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2089918 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 1 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.001 | Lease | 4096.57 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1696188 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  |  |  |  |  | 0.845 | Lease | 1626.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1714023 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 40 | Standard Ratio per Guidelines |  |  |  |  | 12997.78 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088434 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 68 | Business Expense Ratio Statement |  |  |  |  | 8385.49 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088435 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.011 | Lease | 2471.79 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091288 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.308 | Market Survey | 5427.91 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091289 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.652 | Lease | 2780.89 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2082260 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.05 | Market Survey | 1694.74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2077431 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 14 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 290277.93 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091305 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.453 | Lease | 8068.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091307 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.547 | Market Survey | 2974.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088444 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.596 | Market Survey | 2819.13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088446 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | 13037.7 | 0 | 0 | 2 | 0 | 31 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088442 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey |  | 13037.7 | 0 | 0 | 2 | 0 | 31 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088440 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.005 | Lease | 1044.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2081122 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | 3531.3 | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 7 |  |  |  |  |  |  |  |  |
| XXXX | 2076399 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | 130580.7 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2085428 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.319 | Market Survey | 2790.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089944 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.166 | Market Survey | 1844.07 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088441 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.272 | Lease | 864.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088443 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.036 | Market Survey | 1158.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088449 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.456 | Short Term Rental | 2415.18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088436 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  |  |  |  |  |  |  | 22175.31 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091310 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.119 | Market Survey | 2055.09 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088450 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.199 | Lease | 750.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091309 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.255 | Lease | 1633.63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091295 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.662 | Lease | 7464.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088448 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 4 | 0 |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | 96811.03 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091323 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.717 | Short Term Rental | 11340.85 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088451 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.056 | Market Survey | 1610.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088453 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.485 | Lease | 7925.22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088455 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.551 | Lease | 3030.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088457 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.263 | Lease | 989.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2090008 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.922 | Market Survey | 2384.83 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090013 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.421 | Market Survey | 2181.91 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2090011 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.237 | Lease | 1172.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2090009 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.11 | Market Survey | 2049.09 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2090012 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.115 | Market Survey | 1861.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090010 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.059 | Market Survey | 5665.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2085429 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.44 | Market Survey | 3819.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086497 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 5851.25 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091396 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.873 | Market Survey | 3202.93 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089945 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.648 | Lease | 1365.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089946 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.223 | Market Survey | 695.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089947 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.048 | Lease | 3043.09 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091324 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.86 | Lease | 2093.48 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088456 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.013 | Lease | 4443.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088458 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.321 | Market Survey | 1741.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088454 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 |  | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.305 | Market Survey | 8625.48 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091311 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.182 | Lease | 871.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091325 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.155 | Lease | 861.29 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091322 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.37 | Lease | 726.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091321 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.024 | Lease | 1009.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091320 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.04 | Lease | 1168.22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091341 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.143 | Lease | 1238.55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088462 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.175 | Lease | 1017.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091343 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.153 | Lease | 1192.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091337 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.951 | Lease | 874.11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091338 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.264 | Market Survey | 1166.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088465 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.091 | Market Survey | 1145.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091342 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.305 | Lease | 1146.69 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091339 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.006 | Lease | 1142.63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091335 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.11 | Lease | 1784.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091340 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.305 | Lease | 10691.92 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2084047 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | 8666.12 | 0 | 0 | 2 | 0 | 29 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 29 | 0 | 0 | 4 |
| XXXX | 2091336 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1 | Lease | 1599.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091351 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.313 | Market Survey | 989.76 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091347 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.564 | Market Survey | 831.05 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091350 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.409 | Market Survey | 1021.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091352 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.526 | Market Survey | 851.63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091349 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.299 | Lease | 769.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091348 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.313 | Market Survey | 1028.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091345 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.391 | Market Survey | 898.69 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088463 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.896 | Lease | 5458.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091344 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.363 | Market Survey | 898.85 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088464 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.371 | Market Survey | 2918.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091355 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.188 | Lease | 3726.18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088461 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.196 | Market Survey | 6686.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091357 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.774 | Market Survey | 2842.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088471 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.306 | Lease | 1225.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088473 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.001 | Market Survey | 3195.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091354 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 4545.61 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091356 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.003 | Market Survey | 7474.08 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088474 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.1 | Lease | 5923.54 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091361 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.246 | Lease | 1031.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091359 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX |  | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.306 | Market Survey | 1339.66 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088472 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 9 | 0 |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | 21807.8 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091358 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.557 | Market Survey | 1348.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088469 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Inter Vivos Trust | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.429 | Lease | 976.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091353 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.442 | Lease | 693.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091369 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.017 | Market Survey | 1377.24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088479 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.216 | Market Survey | 1028.27 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088478 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Inter Vivos Trust | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.186 | Lease | 978.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088476 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Inter Vivos Trust | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.166 | Market Survey | 1024.91 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088481 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Inter Vivos Trust | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.431 | Lease | 1114.43 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091366 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.014 | Market Survey | 1770.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091370 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.204 | Market Survey | 2490.74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088475 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 |  | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.051 | Market Survey | 1902.07 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088480 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.82 | Market Survey | 5484.55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091368 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.023 | Short Term Rental | 6963.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088485 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.689 | Lease | 2959.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091364 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 40 | Standard Ratio per Guidelines |  |  |  |  | 11908.26 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.002 | Lease | 1596.19 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091373 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.135 | Lease | 7006.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088486 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.788 | Lease | 749.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091374 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.343 | Short Term Rental | 3613.73 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088484 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.064 | Market Survey | 1667.68 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091299 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.017 | Market Survey | 2359.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091298 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.082 | Market Survey | 1016.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088482 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 2.809 | Market Survey | 751.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091296 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.916 | Market Survey | 1461.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088427 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 8 | 0 |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | 73099.96 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088429 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.051 | Lease | 3514.39 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091297 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.476 | Market Survey | 1084.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091300 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.003 | Market Survey | 2552.94 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086540 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 40 | Business Expense Ratio Statement |  |  |  |  | 15302.14 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091372 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.276 | Lease | 10963.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091371 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.023 | Lease | 2447.83 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088430 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.274 | Market Survey | 1766.68 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091303 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.371 | Market Survey | 1276.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088431 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.29 | Market Survey | 2326.42 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088426 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.234 | Market Survey | 1864.41 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091301 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.036 | Market Survey | 12911.76 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091312 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.562 | Lease | 896.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091317 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.675 | Market Survey | 955.04 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091316 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.622 | Short Term Rental | 1849.82 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091313 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.497 | Short Term Rental | 2071.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091315 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.646 | Short Term Rental | 2004.53 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091302 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.242 | Lease | 1123 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091319 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 19 |  |  |  | XXXX | 60 | Standard Ratio per Guidelines |  |  |  |  | 41386.32 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091318 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.4 | Short Term Rental | 2142.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091329 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.208 | Market Survey | 1946.11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091334 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.112 | Market Survey | 1974.72 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091330 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.148 | Lease | 2608.94 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2091333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.078 | Lease | 3524.53 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091331 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.037 | Market Survey | 3135.14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091332 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.197 | Market Survey | 1504.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089982 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.524 | Market Survey | 1640.18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089917 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.872 | Lease | 1282.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086466 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 25 | Business Expense Ratio Statement |  |  |  |  | 12038.79 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091394 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.299 | Lease | 1537.9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086465 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 28 |  |  |  |  | 20.4 | Business Expense Ratio Statement |  |  |  |  | 262702.12 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089916 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11579.49 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091395 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | 4843.53 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089920 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 20163.59 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089919 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.224 | Market Survey | 1633.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083993 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 45370.55 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2085634 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 93303.73 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083994 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 91881.64 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089921 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 12367.63 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089922 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 265824.25 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2085635 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | 22053.92 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090933 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.751 | Market Survey | 2044.49 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079093 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 30113.9 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086219 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 5344.05 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070817 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | 17125.32 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  |
| XXXX | 2077323 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 22091.46 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079096 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 6528.41 | 0 | 12 | 2 | 0 | 31 | 0 | 0 | 4 |  |  |  |  |  |  |  |  |
| XXXX | 2077341 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 17 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 24303.17 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079088 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 25931.14 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077083 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 18 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 62866.49 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081735 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 3 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 18890.16 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079085 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 10823.32 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077330 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 19256.66 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2084112 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 6687.97 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2084099 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 8914.49 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081736 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 400214.02 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077345 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 18.53 | Business Expense Ratio Statement |  |  |  |  | 7448.27 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079342 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 8246.86 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083535 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 23312.59 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082082 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | 21079.64 | 0 | 0 | 1 | 0 | 32 | 0 | 0 | 3 |  |  |  |  |  |  |  |  |
| XXXX | 2088353 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0 |  |  |  | 12 | Standard Ratio per Guidelines |  |  |  |  | 4840 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079090 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 5 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11819.02 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2077326 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 9175.59 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2084100 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 5392.24 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077339 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 14453.83 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077327 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 113991.07 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077343 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 28657.07 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077328 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 2 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 120836.9 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079101 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  |  | 14194.38 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090941 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 17159.47 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077089 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 8520.74 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086232 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 24 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 72899.3 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077335 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 32348.56 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082083 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 7 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 26937.04 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079345 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 25110.52 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077329 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 44888.37 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083518 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 7448.95 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2084105 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 8 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 33391.85 | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 4 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2077342 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 7925.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088356 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 32 |  |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | 7195.46 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077097 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 7042 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082087 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 16866.03 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081737 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 13733.7 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079354 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 9 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 4541.31 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079104 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 5990.72 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079102 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 10136.65 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082108 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | 77540.04 | 0 | 0 | 2 | 0 | 29 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2079094 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 3 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 13925.65 | 0 | 0 | 0 | 0 | 30 | 0 | 0 | 1 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086336 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 30 | Business Expense Ratio Statement |  |  |  |  | 8209.35 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079110 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 8348.68 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077333 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 4870.76 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077334 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11888.76 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077338 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 9890.68 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079095 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 16582.08 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2077336 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 4 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 9073 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2077095 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 28876.63 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079097 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 9812.56 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079349 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 7 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 37512.35 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079360 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 7356.93 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083526 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 20787.22 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082102 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 115165.22 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081739 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | 13781.54 | 0 | 0 | 2 | 0 | 31 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2077351 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 6968.25 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079348 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 18 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 8356.59 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081744 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 35 | 0 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 6530.35 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2081741 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 19970.23 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079359 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 18476.65 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2077340 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 33150.5 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079099 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 22746.55 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086238 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 74508.09 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089886 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.133 | Market Survey | 3971.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079352 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | 30224.45 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  |
| XXXX | 2079358 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 35 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 4403.55 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079357 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 16028.55 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086337 | Non-QM Non-Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 10527.64 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2082103 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 12131.76 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079356 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 46 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 17121.79 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082084 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 21697.97 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081740 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 2 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 34236.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2082088 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 14839.17 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079109 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 50277.14 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089882 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 10254.98 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082085 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11820.69 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077091 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 21 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 81828.6 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089881 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 38700.54 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081743 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 13010.14 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079106 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 55949.72 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089891 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.147 | Market Survey | 3227.02 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088354 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 11283.34 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079351 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 10719.81 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083519 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | 4903.43 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082090 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 101725.52 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2084108 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 3 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 12411.66 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086224 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 8144.07 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| XXXX | 2077093 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 18439.36 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081742 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 24395.58 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082089 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 8011.82 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077347 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 501133.52 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2079353 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 16041.25 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081750 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 1 |  | 0 | 2 |  |  |  | 85 | Standard Ratio per Guidelines |  |  |  |  | 7127.53 | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 4 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086340 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 9510.69 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088355 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | 9190.59 | 0 | 12 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2079105 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 12563.65 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082107 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 73634.46 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2084114 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 27 | Business Expense Ratio Statement |  |  |  |  | 9863.5 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081752 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 10050.31 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086229 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 36308.02 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082099 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 18 | 18 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 6803.86 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 2 | 0 | 13 | 0 | 0 | 2 |
| XXXX | 2086352 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 8710.91 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083520 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 18 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 3484.75 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086234 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 25835.94 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2082101 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 1 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | 5571.12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2084115 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 5258.58 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086226 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 6309.66 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2082097 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | 4030.76 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088371 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 6225.7 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086227 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 9146.02 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 33 | 0 | 0 | 4 |
| XXXX | 2086228 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 50229.89 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2077349 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 21 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 19332.35 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082093 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 3320.55 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081745 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 75 | Standard Ratio per Guidelines |  |  |  |  | 14390.31 | 0 | 24 | 2 | 0 | 32 | 0 | 0 | 1 |  |  |  |  |  |  |  |  |
| XXXX | 2088369 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 2 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 6013.23 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089883 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 21442.2 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081747 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | 40293.09 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082111 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 3916.98 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089884 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.201 | Market Survey | 1395.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2084104 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 8266.71 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088367 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0 |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 11420.3 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2082106 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 14587.08 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081746 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 11 | 5 |  |  |  |  |  |  |  |  |  | 22252.31 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 |
| XXXX | 2081749 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 23927.81 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083523 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 105836.33 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089904 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.167 | Market Survey | 2827.97 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2083530 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 32362.35 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2081748 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 14729.05 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2084109 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 4 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 17000.66 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2079361 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 71913.01 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082104 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 20195.26 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088366 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 23350.81 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086231 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 24920.23 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082105 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 9081.85 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082109 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 14526.87 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2084110 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 11546.09 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089885 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 8852.9 | 12 | 0 | 0 | 0 | 32 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088377 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 12000.27 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086233 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | 8256.97 | 0 | 12 | 1 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2089910 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.005 | Market Survey | 1889.74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086357 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 40 |  |  |  |  | 25 | Business Expense Ratio Statement |  |  |  |  | 21017.06 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086355 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | 21297.04 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 1 |
| XXXX | 2088373 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 34328.03 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089914 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 25 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 13970.07 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 33 | 0 | 0 | 1 |
| XXXX | 2090938 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.293 | Market Survey | 3267.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089887 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XX | 0 |  | XXXX | XXXX | XXXX |  |  |  | 1.631 | Multiple Sources | 1839.22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083532 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 13126.71 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2083525 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 30 | Business Expense Ratio Statement |  |  |  |  | 14352.55 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088359 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 24 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 5656 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089888 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 8 |  |  | XXXX | XXXX | 50 | Standard Ratio per Guidelines |  |  |  |  | 46031.9 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089890 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.884 | Lease | 2829.22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086235 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 7464.32 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2084111 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  |  |  |  |  |  |  | 3745.6 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088379 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 20 | 22 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 146600.32 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088372 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 19406.94 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086242 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 21 |  |  |  |  | 85 | Standard Ratio per Guidelines |  |  |  |  | 5797.28 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089889 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 9644.1 | 0 | 12 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 0 | 7 | 0 | 0 | 3 |
| XXXX | 2090936 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.198 | Market Survey | 1085.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089902 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 8 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 17533.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089907 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 0 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 89729.74 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089911 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.041 | Lease | 5180.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088365 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 23 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 15308.34 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088374 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 4 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 28614.66 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2090939 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 6795.78 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089913 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 9063.62 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086240 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 28786.09 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086348 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 18013.01 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2086245 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 13762.63 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090937 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 6 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 10112.25 | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 3 | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |
| XXXX | 2086244 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  |  |  |  |  |  |  | 3471.5 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090944 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 27 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 22496.97 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089909 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.489 | Market Survey | 1947.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2089893 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.373 | Market Survey | 1256.55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089892 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 15569.94 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089894 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.399 | Market Survey | 929.54 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2086351 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 15854.95 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089895 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 16871.25 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089915 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.021 | Market Survey | 1371.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2088375 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0 |  |  |  |  |  |  |  |  |  | 20560.5 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 33 | 0 | 0 | 2 |
| XXXX | 2086354 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 13562.2 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089897 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 28264.16 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090945 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11328.08 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089898 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 12165.78 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089912 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 5041.32 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089906 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.165 | Market Survey | 1395.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089899 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 9536.95 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089901 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 14482.89 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089900 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 59153.16 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090943 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 89315.6 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090940 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 4319.33 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089903 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 26 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 12509.04 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2088376 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 18 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 15827.68 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089905 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 20593.33 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090947 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 |  | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.409 | Lease | 2058.79 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2090942 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 1.294 | Market Survey | 1236.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2090946 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 26992.99 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2089908 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 6951.69 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093793 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX |  |  |  |  | 0.99 | Lease | 1775.66 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093699 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.76 | Lease | 1710.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093679 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.8 | Market Survey | 2387.07 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093677 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.99 | Market Survey | 1972.27 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093695 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.99 | Lease | 1607.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093706 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.87 | Lease | 2077.74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093716 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.92 | Lease | 2512.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093708 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.81 | Market Survey | 3464.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093735 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.96 | Market Survey | 2292.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093709 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.87 | Market Survey | 2419.55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093746 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.86 | Market Survey | 1747.79 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093766 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.71 | Market Survey | 3608.54 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093733 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.81 | Market Survey | 3467.06 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093782 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.94 | Market Survey | 1411.74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093774 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.95 | Market Survey | 1681.09 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093744 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 0.85 | Lease | 1996.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093762 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.72 | Market Survey | 2787.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093790 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.83 | Market Survey | 2800 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093777 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | 0.94 | Lease | 3017.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093801 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.96 | Market Survey | 2250.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093757 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | 0.75 | Market Survey | 3599.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07**

![](ex9907001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary<br> EFMT 2025-NQM6<br> Dated: November 21, 2025<br>

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078**<br> **P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9907002.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, Ellington Management Group, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 162 loans, including 115 Residential and 47 Business Purpose Loans totaling an aggregate original principal balance of approximately $79,500,742.00. 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 Kroll Bond Rating Agency, LLC (KBRA), the NRSRO's identified in Item 3 of the ABS Due Diligence-15E.

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

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

---

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

*Property Income*

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

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

*Employment and Income:* 

Evolve determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable 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.

*Valuation Review*

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

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

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

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

*Asset Review*

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

*Insurance*

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

*Title*

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

*Fraud / Criminal Background*

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

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

● Calculate DSCR as required by the guidelines

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

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

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](ex9907002.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;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;115 | &nbsp;&nbsp;70.99% | &nbsp;&nbsp;115 | &nbsp;&nbsp;70.99% |
| &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;47 | &nbsp;&nbsp;29.01% | &nbsp;&nbsp;47 | &nbsp;&nbsp;29.01% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**162** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**162** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &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;38.89% | &nbsp;&nbsp;63 | &nbsp;&nbsp;38.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;99 | &nbsp;&nbsp;61.11% | &nbsp;&nbsp;99 | &nbsp;&nbsp;61.11% |
| &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;**162** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**162** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;156 | &nbsp;&nbsp;96.30% | &nbsp;&nbsp;156 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.70% |
| &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;**162** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**162** | &nbsp;&nbsp;**100.00%** |

---

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;37.04% | &nbsp;&nbsp;60 | &nbsp;&nbsp;37.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;102 | &nbsp;&nbsp;62.96% | &nbsp;&nbsp;102 | &nbsp;&nbsp;62.96% |
| &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;**162** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**162** | &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;Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;162 | &nbsp;&nbsp;3.09% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;12 | &nbsp;&nbsp;162 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;113 | &nbsp;&nbsp;162 | &nbsp;&nbsp;69.75% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;162 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;6 | &nbsp;&nbsp;162 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;162 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;162 | &nbsp;&nbsp;10.49% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;6 | &nbsp;&nbsp;162 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;162 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;162 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;23 | &nbsp;&nbsp;162 | &nbsp;&nbsp;14.20% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;162 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;162 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;162 | &nbsp;&nbsp;6.79% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;36 | &nbsp;&nbsp;162 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;22 | &nbsp;&nbsp;162 | &nbsp;&nbsp;13.58% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;162 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;27 | &nbsp;&nbsp;162 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;162 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;50 | &nbsp;&nbsp;162 | &nbsp;&nbsp;30.86% |

---

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

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

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final
 GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of
 Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant
 documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation
 agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation
 agreement and/or governing policies and procedures, Evolve's review was limited to formal general statements of entity
 compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by
 the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and
 seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a
negative amortization feature;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims
 arising out of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence
 of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application,
 note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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.

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability
 to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard
 mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages
 (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development
 (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

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.

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.

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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);

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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.

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](ex9907002.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;&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.

---

| | |
|:---|:---|
| ![](ex9907003.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 1**

![](evolve-logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 11/21/2025 8:56:39 AM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1681035 | XXXXX | XXXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1676174 | XXXXX | XXXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1679412 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679413 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1677999 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1681105 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1681106 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681107 | XXXXX | XXXXX | XXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1679418 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1679419 | XXXXX | XXXXX | XXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1679420 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681108 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679422 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679424 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1679425 | XXXXX | XXXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679428 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1678631 | XXXXX | XXXXX | XXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1680817 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1357578 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1429693 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432753 | XXXX | XXXX | XXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1678012 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1678638 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679445 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1677530 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1678019 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680105 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1678025 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679452 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679453 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679454 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1678028 | XXXX | XXXX | XXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1679455 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1678030 | XXXX | XXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679459 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1678033 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679460 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679461 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680820 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1679464 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1678039 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679465 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1679466 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679470 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1679471 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680829 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1679476 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1677638 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1679479 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A B |
| 1679481 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680107 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1676353 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1679487 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1679489 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1678068 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680836 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679492 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679493 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679494 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679495 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679496 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679497 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679498 | XXXX | XXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1678072 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679499 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1679500 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679502 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1679503 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679504 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1678075 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679506 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680193 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679507 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679511 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1679515 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679516 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680844 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1679519 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679520 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1678079 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679522 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679524 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680846 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679526 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680847 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1678241 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680849 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681083 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680850 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680851 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1679531 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679533 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680855 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1679536 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680856 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1679538 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1679831 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679932 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1679539 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680863 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679922 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1680866 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680867 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1679543 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1680872 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1678719 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1680879 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679549 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680880 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1679550 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1680883 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680885 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680887 | XXXX | XXXX | XXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 1680888 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1680889 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680891 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1679557 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680901 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680902 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680903 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679558 | XXXX | XXXX | XXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1679561 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680908 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1680910 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680914 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680916 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680920 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1680924 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680001 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1680932 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680933 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1679901 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680937 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680942 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680943 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680947 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681084 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680949 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680953 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681087 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680960 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680961 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680966 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680971 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680974 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680975 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680983 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680984 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1680987 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680988 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1681001 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681003 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681005 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1681006 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681010 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1680753 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681101 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681027 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1681028 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681029 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681031 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681032 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 2**

![](evolve-logo.jpg)

---

| |
|:---|
| **Exception Detail** |
| **Run Date - 11/21/2025 8:56:39 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1429693 | XXXX | XXXX | 7244030 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing tax transcripts on Full Doc | received |  |  | 08/24/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | A | A C |  | QM Rebuttable Presumption | 1 |
| 1429693 | XXXX | XXXX | 7244031 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Private party VOR is not acceptable. Rent history must be verified by cancelled checks or institutional VOR. |  | Compensating Factors: 31.66 months reserves, $6134.39 residual income, 7 year job history with current employer |  |  |  | 08/02/2022 B | 2 | XXXX | CA | 1 | 13 C B | A | A C |  | QM Rebuttable Presumption | 1 |
| 1429693 | XXXX | XXXX | 7244032 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing 1004D for subject property. Appraisal is subject to CO/Smoke detector installed on 2nd level | document provided |  |  | 08/03/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | A | A C |  | QM Rebuttable Presumption | 1 |
| 1432753 | XXXX | XXXX | 7213465 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan exceeds zero tolerance by $XXXX due to increase in Credit Report-Lender Fee with no valid coc. Please provide proof of $XXXX refund along with letter of explanation to borrower and PCCD reflecting cure. All must be issued within 60 days of consummation. | Information provided |  | Reviewer 08/02/2022 12:47 PM; refund provided.<br>| 08/02/2022 |  | A | 1 | XXXX | TX | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1432753 | XXXX | XXXX | 7213466 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 08/02/2022 |  | A | 1 | XXXX | TX | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1432753 | XXXX | XXXX | 7213467 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | \*VVOE is missing for XXXX for employer XXXX | document provided |  |  | 08/02/2022 |  | A | 1 | XXXX | TX | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1676174 | XXXXX | XXXXX | 7160007 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 07/24/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | A |  | Exempt | 1 |
| 1676174 | XXXXX | XXXXX | 7160009 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require a condominium deductible for all insurances have a maximum of XXXXX |  | Compensating factors: XXXX XXXX is at least XXX percentage points < max XXXX XXXX XXXXX of at least XX months; XX months > min XX XXXX XXXXX credit score is at least XXX points > min XXXX XXXX XXXX supports value without variance XXXX XXXX is additional commission for XXX that we are not using due to a declining trend from XXXXX and XXXX and the large gap in employment she had for XXXXX (family leave due to health issues and caring for father). XXXX was in a sales position in XXXXX that was heavily commissioned but transitioned to a sales manager position that has higher base, but lower commission. XXXX she does have over XXXXX in commission for XXXXX in just XX months back on the job, and we are not using XXXX for qualifying. XXXX XXXXX income > XXXXX |  |  |  | 07/22/2025 B | 2 | XXXX | NV | 1 | 1 C B | C | A |  | Exempt | 1 |
| 1676174 | XXXXX | XXXXX | 7160010 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX required appraisals ordered in XXXX name must use a XXXXX XXXX |  | Compensating factors: XXXX XXXX is at least XXX percentage points < max XXXX XXXX XXXXX of at least XX months; XX months > min XX XXXX XXXXX credit score is at least XXX points > min XXXX XXXX XXXX supports value without variance XXXX XXXX is additional commission for XXX that we are not using due to a declining trend from XXXXX and XXXX and the large gap in employment she had for XXXXX (family leave due to health issues and caring for father). XXXX was in a sales position in XXXXX that was heavily commissioned but transitioned to a sales manager position that has higher base, but lower commission. XXXX she does have over XXXXX in commission for XXXXX in just XX months back on the job, and we are not using XXXX for qualifying. XXXX XXXXX income > XXXX |  |  |  | 07/22/2025 B | 2 | XXXX | NV | 1 | 1 C B | C | A |  | Exempt | 1 |
| 1676174 | XXXXX | XXXXX | 7160011 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guideline maximum XXXX for a XXXXX-time home buyer is XXXXX |  | Compensating factors: XXXX XXXX is at least XXX percentage points < max XXXX XXXX XXXXX of at least XX months; XX months > min XX XXXX XXXXX credit score is at least XXX points > min XXXX XXXX XXXX supports value without variance XXXX XXXX is additional commission for XXX that we are not using due to a declining trend from XXXXX and XXXX and the large gap in employment she had for XXXXX (family leave due to health issues and caring for father). XXXX was in a sales position in XXXXX that was heavily commissioned but transitioned to a sales manager position that has higher base, but lower commission. XXXX she does have over XXXXX in commission for XXXXX in just XX months back on the job, and we are not using XXXX for qualifying. XXXX XXXXX income > XXXX |  |  |  | 07/22/2025 B | 2 | XXXX | NV | 1 | 1 C B | C | A |  | Exempt | 1 |
| 1676353 | XXXX | XXXX | 7160358 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/25/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1676353 | XXXX | XXXX | 7160360 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX the final signed disclosure statement for the XXXX bridge loan issued on XXXX secured by the property at XXXXX XX XXXX reflecting net sales proceeds of at least XXXXX | Closing disclosure received |  |  | 09/15/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1676353 | XXXX | XXXX | 7160361 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX income includes commissions of XXXX per month that are paid quarterly at a guaranteed annual amount of XXXX XXXX as XXXX XXXXX x XXXX = XXXX per month. |  | Cleared based on the following compensating factors XXXX post-closing reserves of XXXX months exceed the XXXX requirement XXXX residual income of XXXXX exceeds the minimum requirement of XXXX XXXX XXXXX payment history on XX mortgages dating back to XXXXX |  |  |  | 11/10/2025 B | 2 | XXXX | CA | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1676353 | XXXX | XXXX | 7160362 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXX from the XXXXX XXXX XXXX of XXXXX XXXX is accepted without any withdrawal or surrender |  | Cleared based on the following compensating factors XXXX post-closing reserves of XXXX months exceed the XXXX requirement XXXX residual income of XXXXX exceeds the minimum requirement of XXXX XXXX XXXXX payment history on XX mortgages dating back to XXXXX |  |  |  | 11/10/2025 B | 2 | XXXX | CA | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1677530 | XXXX | XXXX | 7160650 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXXX states the borrower is self employed but owns less than XXXX of the business. XXXXX statements shows XXXXX XXXX XXXX and XXXX spread statement showing XXXXX ownership. XXXXX a XXXX or similar documentation to explain income and/or companies. | received revised XXXX |  | Reviewer 09/19/2025 11:12 AM; Provide accurate XXXXX XXX appears as though the borrower is self employed and receives income as XXXXX independent contract from XXXX XXXXX XXXXX XXXX and XXXXX XXXX but receives income as XXXXX XXXXX<br>| 09/23/2025 |  | A | 1 | XXXX | ID | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1677530 | XXXX | XXXX | 7160653 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXX XXXX XXXXX states the borrower receives income as a XXXX XXXXX XXX documentation in the file supports working there. | Received all XXXX |  | Reviewer 09/19/2025 11:09 AM; Provide XXXXX for XXXX XXXXX XXXXX XXXX and XXXXX XXXX that reflect borrower is an independent contractor receiving XXXXX income<br>| 09/29/2025 |  | A | 1 | XXXX | ID | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1677638 | XXXX | XXXX | 7160796 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXXX documentation from XXXXX is missing from the file. | New updated XXX approval sheet sent. XXXXX XXXXX income used. XXXXX XXX approval showed XXX mo averages with XXXXX etc. |  | Reviewer 09/12/2025 08:13 AM; \*\*\*\*Return file to the XXX for review\*\*\*\* <br>Client 09/15/2025 11:30 AM; Per loan approval, XXXXX is calculated using a XXXXX avg of XXXXX XXXXX income, along with XXXX XXXXX documentation provided. XXXX you.<br>Reviewer 09/15/2025 12:05 PM; Escalation comment sent to auditor for income review XXX<br>Reviewer 09/15/2025 05:16 PM; Received the XXXX XXXXX XXXXX and XXXXX in print out. XXXX not receive any income documentation<br>Reviewer 09/29/2025 04:51 PM; Documents received did not include XXXXX income documentation as requested<br>Reviewer 09/30/2025 01:59 PM; <br>| 09/30/2025 |  | A | 1 | XXXX | ME | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1677638 | XXXX | XXXX | 7160799 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX XXXXX XXXXX XX guidelines, the maximum mortgage history is XXXXX XXXXX has a XXXXX |  | Client XXXXX with XXXXX XXXXX XXXXX has been self employed for XXXXX years. XXXXX reserves is XX months and the borrowers have XXXXX months. XXXXX residual income is XXXX XXXX have XXXXX in residual income. |  |  |  | 09/12/2025 B | 2 | XXXX | ME | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1677638 | XXXX | XXXX | 7160800 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX guidelines, a verbal XXXX is required within XXX days of the note date for the XXXX | Received |  |  | 09/15/2025 |  | A | 1 | XXXX | ME | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1677999 | XXXXX | XXXXX | 7161120 | 1018 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | XXXX verification of the borrower's self-employed business, dated within XXX days of the note, is missing. XXXXX verification sources include XXXX XXXX XXXX XXXXX XXXX XXXX or other approved methods in accordance with XXXX XXXXX borrower requirements. | Business search & conversion documents received. |  |  | 09/17/2025 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A |  | Exempt | 1 |
| 1678025 | XXXX | XXXX | 7161574 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX subject property is in a XXXXX community which requires either full doc or XXXX statement income verification. XXXX loan is verifying income with asset depletion. |  | Client waived with compensating factors: XXXX XXXX is XXXX XXXX XXXX for XXXX XXXX borrower has a XXXX XXXX the required XXXXX is XXXX XXXX borrowers mortgage history is XXXX with the required mortgage history of XXXXX |  |  |  | 10/01/2025 B | 2 | XXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678033 | XXXX | XXXX | 7161593 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/22/2025 |  | A | 1 | XXXX | IL | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1678039 | XXXX | XXXX | 7161602 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX the final closing disclosure form the borrower's XXXXX XXXXX XXXXX for the XXXX XXXX XXXX XX XXXX with XXXXX loan. XXXX preliminary closing disclosure was provided. XXXXX submit the final XXXX | Received the final signed XXX for bridge loan |  |  | 09/29/2025 |  | A | 1 | XXXX | OH | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678039 | XXXX | XXXX | 7161603 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX borrower owns the previous primary residence free and clear. XXXXX exception approval for payment shock over XXXXX |  | Exception approval received for payment shock. compensating XXXX - XXXX XXXXX seasoned homeowner, owned previous home free and clear, residual income XXXXX reserves XXXXX score XXX |  |  |  | 10/02/2025 B | 2 | XXXX | OH | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678068 | XXXX | XXXX | 7161671 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/30/2025 |  | A | 1 | XXXX | NM | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1678072 | XXXX | XXXX | 7161680 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX approval required for XXXX of business funds/assets per XXXX XXXX guidelines. |  | Exception approval received for use of business assets/ XXXXX XXXX - credit depth XXX years, score XXXXX |  |  |  | 09/26/2025 B | 2 | XXXX | OR | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1678075 | XXXX | XXXX | 7161693 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval required for borrower that has been self-employed for less than XX years (actual is XXX months). |  | Client XXXXX with XXXXX XXXXX XXXXX granted for a borrower that has been self-employed for less than XX years (actual is XXX months). XXXXX factors are XXXX post-closing reserves are XXXXX months which exceed the required minimum of XX months XXXX residual income of XXXX exceeds the required minimum of XXXX XXXX credit score of XXXX exceeds program minimum of XXXXX |  |  |  | 09/22/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678075 | XXXX | XXXX | 7161694 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX final closing disclosure is missing for loan XXXX which involves a cash-out refinance of XXXX secured by XXXXX XXXX XXXX XXXX XXXX document should reflect net loan proceeds of at least XXXX and confirm a monthly XXXXX payment of XXXXX | Received XXX for XXXX XXXXX |  |  | 09/23/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678079 | XXXX | XXXX | 7161703 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX chapter XXX XXXXX filed XXXXX XXXXX XXXX which is XXX months, XXX months from discharge is required. |  | Client XXXXX with XXXXX XXXXX XXXX have been in the same line of work for XXX years, XXX months reserves where XX months are required, XXXXX in residual income where XXXX is required. |  |  |  | 09/30/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678019 | XXXX | XXXX | 7219562 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is rural, XXX XXXX |  | Client XXXXX with XXXXX XXXXX XXXXX scores of XXXX exceed minimum score of XXXX XXXXX income of XXXX when minimum requirement is XXXX XXXX XXXX of XXXXX with minimum of XXXX . |  |  |  | 09/03/2025 B | 2 | XXXX | CA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1678241 | XXXX | XXXX | 7162239 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is XXXXX XXXXX on the appraisal, zoned XXXXX XXXXX with XXXXX acres, constitutes a XXXX property requires XXX XXXXX approval. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX credit no derogs, XXXX mtg pmt history XXXXX XXXXX XXXX over min req XXXXX XXXXX XXXX XXXX time XXXX over XXXXX |  |  |  | 10/03/2025 B | 2 | XXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678631 | XXXXX | XXXXX | 7162656 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX XXXX was not provided. | VVOE dated XXXX note dated XXXXX |  |  | 09/17/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Exempt | 1 |
| 1678638 | XXXX | XXXX | 7162693 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX in file expired. XXXX XXXX in file is dated XXXXX > XXX days permitted per guidelines. |  | Received approval for borrower's signature on XXXX to be XXXX XXXXX XXXXX - fico XXXXX mortgages rated XXXX XXXXX file since XXXX reserves XXXX |  |  |  | 10/10/2025 B | 2 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678638 | XXXX | XXXX | 7162694 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXX missing from file. XXXX file is missing a XXXX from a management company or XXX months cancelled checks and lease agreement required per guidelines. | Received tenant ledger from rental company. XX couple of late payments were noted but none XXX days. |  |  | 09/12/2025 |  | A | 1 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678719 | XXXX | XXXX | 7213502 | 862 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 10/07/2025 |  | A | 1 | XXXX | NJ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1678719 | XXXX | XXXX | 7213503 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXXX required, less than XX yrs XXXXX XXX management approved |  | Client XXXXX with XXXXX XXXXX XXXXX employment XXXXX likely to continue. XXX file since XXXX XXXX paid XXXX XXXXX XXXXX of XXXX months over XXXX reserves required. |  |  |  | 10/09/2025 B | 2 | XXXX | NJ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1678719 | XXXX | XXXX | 7213504 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required, not provided do to error with XXXX printing, XXX management waived. |  | Client XXXXX with XXXXX XXXXX XXXXX employment XXXXX likely to continue. XXX file since XXXX XXXX paid XXXX XXXXX XXXXX of XXXX months over XXXX reserves required. |  |  |  | 10/09/2025 B | 2 | XXXX | NJ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1678719 | XXXX | XXXX | 7213505 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX requires XXX management approval |  | Client XXXXX with XXXXX XXXXX XXXXX employment XXXXX likely to continue. XXX file since XXXX XXXX paid XXXX XXXXX XXXXX of XXXX months over XXXX reserves required. | Client 10/10/2025 11:05 AM; Guidelines based on unstacked XXXX XXXXX is within guidelines. XXXX you.<br>Reviewer 10/13/2025 04:41 AM; Condition has been reviewed. XXX<br>|  |  | 10/11/2025 B | 2 | XXXX | NJ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1679418 | XXXXX | XXXXX | 7175724 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX guidelines, borrowers living rent free with someone other than a spouse are not eligible. XX XXXX in file reflected the borrower is living with parents. | INVESTMENT - XXXXX XXX XXXXX XXXXX XXXXX XXXXX XXXX XXXX XXXXX XXXX XXXXX XXXXX XXXXX XXXXX XXXX XXXXX XXX XXXXX XXXX |  | Client 09/15/2025 08:40 AM; UW discretion on XXXX<br>Reviewer 09/15/2025 09:58 AM; Condition has been reviewed. XXX<br>| 09/15/2025 |  | A | 1 | XXXX | CO | 1 | 1 C A | A | A |  | Exempt | 1 |
| 1679419 | XXXXX | XXXXX | 7175725 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 09/17/2025 |  | A | 1 | XXXX | FL | 2 | 1 D B | C | A |  | Exempt | 1 |
| 1679419 | XXXXX | XXXXX | 7175727 | 1058 | XXXX | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 09/10/2025 |  | A | 1 | XXXX | FL | 2 | 1 D B | C | A |  | Exempt | 1 |
| 1679419 | XXXXX | XXXXX | 7175728 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXX verification of XXXX independently verified (via XXXX XXXX XXXX XXXXX XXXX XXXX or other means of verification) dated within XXX days of the note as required per guidelines. | Received XXXX third party verification |  |  | 09/16/2025 |  | A | 1 | XXXX | FL | 2 | 1 D B | C | A |  | Exempt | 1 |
| 1679419 | XXXXX | XXXXX | 7175729 | 319 | XXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | XXXXX concessions of XXXXX exceeds the maximum allowable concessions of XXXXX |  | Client XXXXX with XXXXX XXXXX XXXXX XXXXX of XXXX where the minimum required is XXXX and XXXX of XXXXX where the maximum allowed is XXXXX |  |  |  | 09/03/2025 B | 2 | XXXX | FL | 2 | 1 D B | C | A |  | Exempt | 1 |
| 1679428 | XXXXX | XXXXX | 7175734 | 418 | XXXX | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | XXXXX project's master insurance policy deductible exceeds the allowable limit in XXXX XXXX XXXX XXXXX XXXXX XXXXX XXXX XXXXX for XXXX XXXXX XXXXX policy deductible of XXXXX exceeds the XXX limit for warrantable and XXXX for non-warrantable. | Exception provided |  |  | 09/17/2025 |  | A | 1 | XXXX | NV | 1 | 1 C A | A | A |  | Exempt | 1 |
| 1679453 | XXXX | XXXX | 7176590 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX has pending litigation against it and is noted as a judgement on the title and in the purchase agreement. |  | Client XXXXX with XXXXX XXXXX XXX does not appear to be structural in nature. XXXXX is escrowing XXXXX in funds pending the outcome. XXXX have an additional XXXX in assets to cover any overages. |  |  |  | 09/29/2025 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1679454 | XXXX | XXXX | 7176591 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX length purchase borrower was renting subject property from partner |  | Client waived with compensating factors: XXXXX score of XXXX where XXXX is required, XXXXX income of XXXXX where XXXXX is required. XXXXX has worked in same field since XXXXX |  |  |  | 09/16/2025 B | 2 | XXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679454 | XXXX | XXXX | 7176592 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX completed for XXXXX used for this transaction. |  | Client waived with compensating factors: XXXXX score of XXXX where XXXX is required, XXXXX income of XXXXX where XXXXX is required. XXXXX has worked in same field since XXXX |  |  |  | 09/16/2025 B | 2 | XXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679454 | XXXX | XXXX | 7176593 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approved at XXXXX stacked points increase XXXX to XXXXX |  | Client waived with compensating factors: XXXXX score of XXXX where XXXX is required, XXXXX income of XXXXX where XXXXX is required. XXXXX has worked in same field since XXXXX |  |  |  | 09/16/2025 B | 2 | XXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679454 | XXXX | XXXX | 7176594 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is missing XXXX showing XXX months of payments made by borrower. | LOE and statements provided. |  | Client 09/18/2025 11:11 AM; Hi, please refer to the XXXX provided. XXXXX explains how borrower's living situation worked with their payments. XXXX<br>Reviewer 09/18/2025 12:42 PM; Condition has been reviewed. XXX<br>| 09/18/2025 |  | A | 1 | XXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679455 | XXXX | XXXX | 7176595 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXX is missing a XXXX XXXXX | Information provided |  |  | 10/02/2025 |  | A | 1 | XXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679455 | XXXX | XXXX | 7176596 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX loan is a non-arms length transaction. XXXXX follow XXXXX non-arms length transaction guidelines. |  | Client XXXXX with XXXXX XXXXX XX mo reserves are required. XXXX have XXXX mo reserves. XXXX on rental history as shown by XXXX statement. XXXXX residual income of XXXXX XXXX have XXXXX in residual income. |  |  |  | 09/24/2025 B | 2 | XXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679459 | XXXX | XXXX | 7176604 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX required to be XXXXX XXXX XXXXX XXXX management approval for allowing XX businesses of the XX opened less than XX year |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX mtg history for XX yrs XXXX XXXX XXXX of XXXXX under max of XXXX XXXX allowed. |  |  |  | 10/03/2025 B | 2 | XXXX | MA | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1679459 | XXXX | XXXX | 7176605 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX mngmt approval for transferred appraisal. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX mtg history for XX yrs XXXX XXXX XXXX of XXXXX under max of XXXX XXXX allowed. |  |  |  | 10/03/2025 B | 2 | XXXX | MA | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1679461 | XXXX | XXXX | 7213524 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock is XXXX when XXXX is over XXXX XXXX shock is XXXX |  | Client waived with XXXXX XXXXX XXXX XXXX when maximum is XXXX XXX mortgages with no derogatory payment history, residual income of XXXXX when XXXXX required. |  |  |  | 09/19/2025 B | 2 | XXXX | SC | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679461 | XXXX | XXXX | 7213525 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX requires post close gross assets of XXXXX below XXXXX and about XXXX is accepted with a XXXXX score > XXXX XXXXX has XXXX gross assets and a XXXX XXXXX score. |  | Received exception approval for assets under XXXXX and fico of XXXX XXXXX XXXXX XXXX XXXX when maximum is XXXX XXX mortgages with no derogatory payment history, residual income of XXXXX when XXXXX required. |  |  |  | 09/24/2025 B | 2 | XXXX | SC | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679464 | XXXX | XXXX | 7176613 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXX per XXXXX guidelines, the maximum XXXX is XXXX XXXX loan exceeds that amount. |  | Client XXXXX with XXXXX XXXXX XX mo reserves required. XXXXX has XXXX mo. XXXXX residual income is XXXX XXXXX has XXXXX XXXXX history was XXXX on loan which just was refinanced into a bridge loan. |  |  |  | 09/18/2025 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679470 | XXXX | XXXX | 7176615 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower and co-borrower credit reports are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/30/2025 |  | A | 1 | XXXX | HI | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1679471 | XXXX | XXXX | 7176620 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX as non-arms length transaction, XXXXX purchasing from family, and lives in subject. |  | Client XXXXX with XXXXX XXXXX XXXX XXXXX score where minimum required is XXXXX XXXXX income of XXXXX where XXXXX is required, XXX months reserves where XX months is required. |  |  |  | 10/02/2025 B | 2 | XXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679471 | XXXX | XXXX | 7176621 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX use of appraisal completed for broker. |  | Client XXXXX with XXXXX XXXXX XXXX XXXXX score where minimum required is XXXXX XXXXX income of XXXXX where XXXXX is required, XXX months reserves where XX months is required. |  |  |  | 10/02/2025 B | 2 | XXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679471 | XXXX | XXXX | 7176622 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX of subject property condition and window repairs. |  | Client XXXXX with XXXXX XXXXX XXXX XXXXX score where minimum required is XXXXX XXXXX income of XXXXX where XXXXX is required, XXX months reserves where XX months is required. |  |  |  | 10/02/2025 B | 2 | XXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679479 | XXXX | XXXX | 7176634 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 10/06/2025 |  | A | 1 | XXXX | FL | 1 | 1 C B A | C | A C B |  | Non-QM | 1 |
| 1679479 | XXXX | XXXX | 7176636 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX property is located in an area with declining property values. |  | Client waived with compensating factors: XXXX property is located in a desirable area. XXXX XXXX is XXXX max XXXX is XXXX XXXX XXXXX is XXXX with a minimum XXXXX of XXXX XXXX reserves after closing are XXXX or XXX months, and the required reserves are XX months. |  |  |  | 09/29/2025 B | 2 | XXXX | FL | 1 | 1 C B A | C | A C B |  | Non-QM | 1 |
| 1679481 | XXXX | XXXX | 7176640 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX XXXXX XXXX loan guidelines, the maximum XXXX is XXXX on a purchase with a minimum XXXX score. |  | Client XXXXX with XXXXX XXXXX XXXX on past mortgage. XX months reserves are required, borrower has XXXX XXXXX income minimum is XXXXX and XXXXX has XXXX in residual income. |  |  |  | 10/13/2025 B | 2 | XXXX | MO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679487 | XXXX | XXXX | 7176653 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX maximum allowable commercial space allowed in a non-warrantable condominium is XXXX XXXX subject property has XXXX commercial space. |  | Client waived with compensating factors: XXXXX score is XXXX with minimum required of XXXX XXXX XXXX is XXXX with a maximum at XXXX XXXX assets in reserves total XXXX or XXXX months with XX months as the required reserves. |  |  |  | 09/22/2025 B | 2 | XXXX | GA | 1 | 13 C B A | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1679489 | XXXX | XXXX | 7213469 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX was submitted as an XXXX XX XXXX XXXX XXX per XXXXX guidelines, a minimum of XXXXX is required. XXXXX has less than that but has an XXXX score so it can be below XXXXX and above XXXXX but it cannot exceed XXXX of income. |  | Client XXXXX with XXXXX XXXXX XXXX on current mortgage. XXXXX mo reserves vs XX mo required . XXXXX income of XXXXX vs XXXXX required. |  |  |  | 09/24/2025 B | 2 | XXXX | VA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1679489 | XXXX | XXXX | 7213471 | 333 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Inconsistent |  | XX XXXXX is needed to address the declining income for XXXX job as there was a significant decline from XXXXX to XXXXX | YTD income was used due to declining. |  |  | 09/26/2025 |  | A | 1 | XXXX | VA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1679492 | XXXX | XXXX | 7176667 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 09/25/2025 |  | A | 1 | XXXX | NV | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679493 | XXXX | XXXX | 7176668 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrowers' credit reports are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/07/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679493 | XXXX | XXXX | 7176669 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX property to have XXX management approval |  | Exception approval received - XXXXX XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX mtg history XX lates, XXXX credit no derogs, XXXXX XXXX over minimum XXXXX required of XXXXX XXXX reserves of XXX months over XX reserves required when XXXX XXXX |  |  |  | 10/09/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679493 | XXXX | XXXX | 7176670 | 381 | XXXX | Credit | UW Other |  | UW Other - UW - Updated Review required |  | XXXX approval reflecting the correct income for XXXXX XXX XXXXX XXXXX security/ XXXXX for current primary retaining as investment is owned free and clear, XXX XXXX XXXXX XXXX XXX XXXX s/e. | Approval received reflects income as requested. |  |  | 10/10/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679493 | XXXX | XXXX | 7176671 | 381 | XXXX | Credit | UW Other |  | UW Other - UW - Updated Review required |  | XXXXX XXXXX reflecting XXXX XXXX to include non occupant XXXX primary housing expense of XXXX and total other debts XXXX total debts XXXXX corrected XXXX XXXX | Uploaded documentation showing payment included in calculations. XXXX XXXX still within guidelines. |  | Reviewer 10/10/2025 01:44 PM; The documents received did not include the XXX non-occupants primary residence payment of XXXX in the XXX<br>| 10/13/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679493 | XXXX | XXXX | 7176672 | 381 | XXXX | Credit | UW Other |  | UW Other - UW - Updated Review required |  | XXXX XXXXX to reflect following corrections XXXXX is XXXX a rural property to be marked XXXXX XXXXX type is a XXX | Received revised approval |  |  | 10/09/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679493 | XXXX | XXXX | 7176673 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX be XXXX XX years XXXX XXXXX XXXX less than XX years. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX mtg history XX lates, XXXX credit no derogs, XXXXX XXXX over minimum XXXXX required of XXXXX XXXX reserves of XXX months over XX reserves required when XXXX XXXX |  |  |  | 10/08/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679494 | XXXX | XXXX | 7176675 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX associated with bridge loan will not be listed until XXXX XXXXX XXXXX require bridge loan property to be listed for sale prior to closing. |  | Client XXXXX with XXXXX XXXXX XXXXX income of XXXXX where XXXXX is required, XXX months reserves where XX is required, XXX months credit depth for mortgage with no derogatory credit. |  |  |  | 10/01/2025 B | 2 | XXXX | IN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679494 | XXXX | XXXX | 7176676 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock XXXXX when XXXX exceeds XXXXX XXXX shock is XXXX |  | Client XXXXX with XXXXX XXXXX XXXXX income of XXXXX where XXXXX is required, XXX months reserves where XX is required, XXX months credit depth for mortgage with no derogatory credit. |  |  |  | 10/01/2025 B | 2 | XXXX | IN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679494 | XXXX | XXXX | 7176677 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/02/2025 |  | A | 1 | XXXX | IN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679497 | XXXX | XXXX | 7176679 | 1024 | XXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | XXXX verification of receipt of the gift for XXXXX XXXX source of funds was established; however missing the transfer into the borrowers account or wire to closing. XXXX is required for the XXXX XXXX XXXX XX program. XXXXX submit evidence of deposit of gift funds. |  | Exception approval received for XXXX check from donor for XXXX instead of wire/ compensating XXXX - XXXX XXXXX reserves XXXXX score XXXXX XX & XX year job history |  |  |  | 10/01/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679499 | XXXX | XXXX | 7176680 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX is required for income producing borrowers, provide XXXX for both borrowers s/e businesses. | VVOE provided |  |  | 10/16/2025 |  | A | 1 | XXXX | DE | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1679500 | XXXX | XXXX | 7176681 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX must be XXXX from acquisition to use appraisal XXXXX XXXXX approval required |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX XXXXX no derogs, XXXXX XXXXX XXXXX employed over XX yrs, |  |  |  | 09/18/2025 B | 2 | XXXX | UT | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1679502 | XXXX | XXXX | 7213474 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 10/13/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1679502 | XXXX | XXXX | 7213475 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX is failing XXXX tolerance for the increase in the XXXX fee in XXXX XX of the final XXX without a valid explanation. XXXX amount is XXXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation date XXXX | Information provided |  |  | 10/13/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1679502 | XXXX | XXXX | 7213476 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX plus purchase loan including income approved. |  | Client XXXXX with XXXXX XXXXX XXXXX income of XXXXX where XXXXX is required. XXXX shock is under XX where max payment shock is XXXX |  |  |  | 10/06/2025 B | 2 | XXXX | NV | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1679502 | XXXX | XXXX | 7213477 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX months reserves required borrower has XXXX months reserves. | Per rate sheets, XX XXXXX XXXX when XXXX <= XXXX XXXX XXXX meets guidelines |  | Client 10/06/2025 05:17 PM; Per rate sheets, XX XXXXX XXXX when XXXX <= XXXX XXXX XXXX meets guidelines. XXXX you. <br>Reviewer 10/08/2025 07:50 AM; Condition has been reviewed. XXX<br>| 10/08/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1679504 | XXXX | XXXX | 7176690 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXXX off open with newly established repayment plan. |  | Client XXXXX with XXXXX XXXXX XXXXX mortgage history on subject and previous residence, XXXX of XXXXX where maximum is XXXXX XXXX XXXXX where minimum is XXXXX |  |  |  | 10/07/2025 B | 2 | XXXX | LA | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1679506 | XXXX | XXXX | 7176695 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX XXXXX including stacked points limited to max cash out per program. XXXX XXXXX XXXX refi pricing available to XXXX XXXXX XXXX XXXX of XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX ownership of primary residence XXXX term of XXXX XXXX XXXXX history XX lates, excellent credit history XXXX XXXX monthly obligations by XXXXX increasing cashflow by XXXX |  |  |  | 10/08/2025 B | 2 | XXXX | MO | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1679506 | XXXX | XXXX | 7176696 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX reserves required for XXXX over XXXX XXXXX XXX management approval is required and in file for XX months reserves held. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX ownership of primary residence XXXX term of XXXX XXXX XXXXX history XX lates, excellent credit history XXXX XXXX monthly obligations by XXXXX increasing cashflow by XXXX |  |  |  | 10/08/2025 B | 2 | XXXX | MO | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1679507 | XXXX | XXXX | 7176697 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock on the loan is over the maximum of XXXX XXXX payment shock on the loan is XXXXX |  | Client waived with compensating factors: XXXX borrower has had credit dating back to XXXXX XXXXX after closing are XXXX or XXXX months of reserves, with minimum reserves of XX months. XXXXX is XXXXX and the minimum XXXXX is XXXX XXXX borrower has been self-employed for XX years, and the minimum required is XX years. |  |  |  | 10/01/2025 B | 2 | XXXX | HI | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1679515 | XXXX | XXXX | 7176706 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower receives pension benefits and only XX month receipt of income was verified. |  | Client waived with compensating factors: XXXX borrowers qualifying credit score is XXXX with a minimum score of XXXX XXXX residual income is XXXX and the minimum residual income is XXXX XXXX borrower has a mortgage history of XXXX and required mortgage history is XXXXX |  |  |  | 09/30/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679516 | XXXX | XXXX | 7176707 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received. |  |  | 10/09/2025 |  | A | 1 | XXXX | RI | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1679519 | XXXX | XXXX | 7176711 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX approved at XXXXX stacked points increase it to XXXXX |  | Client XXXXX with XXXXX XXXXX XXXXX income of XXXXX when XXXXX is required, XXXX XXXX of XXXX when max allowed is XXXXX XXX months reserves when XX is required. |  |  |  | 09/26/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679519 | XXXX | XXXX | 7176712 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX have XX active tradeline where XX is required. |  | Client XXXXX with XXXXX XXXXX XXXXX income of XXXXX when XXXXX is required, XXXX XXXX of XXXX when max allowed is XXXXX XXX months reserves when XX is required. |  |  |  | 09/26/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679520 | XXXX | XXXX | 7176713 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval required for an XXXX over XXXX (actual XXXX under the XXXX XXXXX XXXX program |  | Approval granted for an XXXX over XXXX (actual XXXX under the XXXX XXXXX XXXX program. XXXXX factors are XXXX residual income of XXXXX exceeds the minimum required amount of XXXX XXXX post-closing reserves of XXXX months exceed the minimum required XX months XXXX XXXXX rental history |  |  |  | 09/18/2025 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679522 | XXXX | XXXX | 7176714 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXX are XXXXX time homebuyers. XXXXX XXX months cancelled checks or a management company XXX | Received rent payment history |  |  | 10/11/2025 |  | A | 1 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679526 | XXXX | XXXX | 7213547 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval in file for XXXX XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX residence of XXX yrs, XXXX XXXX of XXXX under max XXXX allowed of XXXX XXXX credit history no derogs, XXXXX XXXX over min XXXXX required of XXXX XXXX mtg history no lates. XXXX reserves of XXXX months, XX reserves required when XXXX under XXXXX |  |  |  | 10/16/2025 B | 2 | XXXX | NH | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679531 | XXXX | XXXX | 7176730 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX management approval req for declining values |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX mtg history XX lates, XXXX credit no derogs, XXXXX XXXX above min required XXXXX of XXXX XXXX XXXX XXXXX under max XXXX of XXX |  |  |  | 10/07/2025 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679531 | XXXX | XXXX | 7176731 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval required for appraisal report not in XXXX name |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX mtg history XX lates, XXXX credit no derogs, XXXXX XXXX above min required XXXXX of XXXX XXXX XXXX XXXXX under max XXXX of XXX |  |  |  | 10/07/2025 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679531 | XXXX | XXXX | 7176732 | 382 | XXXX | Credit | UW Other |  | UW Other - UW - HUD-1 to evidence source of funds |  | XXXX XXX for XXXXX loan must be provided to verify funds. | Received bridge loan with XXXX proceeds and payoff of current mortgage. |  |  | 10/08/2025 |  | A | 1 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679533 | XXXX | XXXX | 7176734 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, when a student loan does not show a payment, XXX of the balance is used. XXXXX was used. |  | Client XXXXX with XXXXX XXXXX XXXXX a month residual income is required. XXXXX has XXXXX in residual income. XX months reserves are required. XXXXX has XXXX mo reserves. XXXXX mortgage history on mortgage refinanced into the bridge loan had a payment history of XXXXX |  |  |  | 10/10/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679538 | XXXX | XXXX | 7176743 | 382 | XXXX | Credit | UW Other |  | UW Other - UW - HUD-1 to evidence source of funds |  | XXXX XXX for XXXXX loan to verify funds stated for assets of at least XXXX | Bridge XXX provided XXXX proceeds to borrower. |  |  | 10/16/2025 |  | A | 1 | XXXX | OR | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679543 | XXXX | XXXX | 7176749 | 862 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 10/13/2025 |  | A | 1 | XXXX | FL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1679543 | XXXX | XXXX | 7176750 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is located in a declining market. XXX XXXX reduction and management approval required. |  | Client XXXXX with XXXXX XXXXX XXXX mortgage history is XXXX XX months reserves are required. XXXXX has XXXXX months reserves. XXXX residual income is XXXXX XXXXX has XXXXX in residual income. |  |  |  | 10/10/2025 B | 2 | XXXX | FL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1679549 | XXXX | XXXX | 7176761 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require borrower have XX years of self-employment. XXXXX has been self employed since XXXX XXXXX XXXXX months) |  | Client XXXXX with XXXXX XXXXX XXXX XXXX of XXXX where XXXX is allowed, XXXXX income of XXXXX where XXXX is required, XXX months reserves where XX months is required. |  |  |  | 10/09/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679550 | XXXX | XXXX | 7176762 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXX acres XXX acres maximum is allowed. |  | Client XXXXX with XXXXX XXXXX XXXXX income of XXXX where XXXXX is required, XXX months reserves where XX months is required, XXXX of XXXX where the maximum is XXXXX |  |  |  | 10/09/2025 B | 2 | XXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1679550 | XXXX | XXXX | 7176763 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX employed for a minimum of two years is required, the borrower has been self employed since XXXXX XXXXX months) in one of her businesses. |  | Client XXXXX with XXXXX XXXXX XXXXX income of XXXX where XXXXX is required, XXX months reserves where XX months is required, XXXX of XXXX where the maximum is XXXXX |  |  |  | 10/09/2025 B | 2 | XXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1679550 | XXXX | XXXX | 7176764 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXXX funds used, file is missing XXXXX or evidence of XXX months of receipt. | Received income from XXX and XX |  |  | 10/10/2025 |  | A | 1 | XXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1679557 | XXXX | XXXX | 7176775 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX is XXXX XXXXX approved at XXXX due to XXX stacked points. |  | Client XXXXX with XXXXX XXXXX XXXXX has XX years with current employer, XXXXX income of XXXX where XXXXX is required, XXXXX put XXXX down. |  |  |  | 10/16/2025 B | 2 | XXXX | CA | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679557 | XXXX | XXXX | 7176776 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXXX is not on the list of approved XXXX |  | Client XXXXX with XXXXX XXXXX XXXXX has XX years with current employer, XXXXX income of XXXX where XXXXX is required, XXXXX put XXXX down. |  |  |  | 10/16/2025 B | 2 | XXXX | CA | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679557 | XXXX | XXXX | 7176777 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX does not have any active tradelines on credit report. |  | Client XXXXX with XXXXX XXXXX XXXXX has XX years with current employer, XXXXX income of XXXX where XXXXX is required, XXXXX put XXXX down. |  |  |  | 10/16/2025 B | 2 | XXXX | CA | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679558 | XXXX | XXXX | 7176780 | 862 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 10/17/2025 |  | A | 1 | XXXX | CA | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1679558 | XXXX | XXXX | 7176781 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX XXXX policy is missing. XXXXX amount is missing. | Received revised title |  |  | 10/20/2025 |  | A | 1 | XXXX | CA | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1679558 | XXXX | XXXX | 7176783 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX XXXX XXXX guidelines, the minimum tradelines are XX tradelines with XX active with a XX year history. |  | Client XXXXX with XXXXX XXXXX XXXX for a XXXX score is up to XXXX XXXXX XXXX is XXXX XXX reserves are required. XXXXX has XXXX mo reserves. XXXXX income minimum is XXXXX and the XXXXX has XXXXX in residual income. |  |  |  | 10/16/2025 B | 2 | XXXX | CA | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1679558 | XXXX | XXXX | 7176784 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX is a XXXXX time homebuyer with no rental history or past mortgage history. XXXX senior management approval. |  | Exception approval received for XXXXX with no prior rental history. XXXXX XXXXX XXXX for a XXXX score is up to XXXX XXXXX XXXX is XXXX XXX reserves are required. XXXXX has XXXX mo reserves. XXXXX income minimum is XXXXX and the XXXXX has XXXXX in residual income. |  |  |  | 10/20/2025 B | 2 | XXXX | CA | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1679561 | XXXX | XXXX | 7176788 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX requires senior management approval. |  | Client XXXXX with XXXXX XXXXX XXXX XXXX of XXXX when XXXX is maximum allowed, XXXXX income of XXXXX when XXXXX is required, XXXX months reserves where none are required. |  |  |  | 10/10/2025 B | 2 | XXXX | VA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1679561 | XXXX | XXXX | 7176789 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX transferred appraisal from XXXX XXXX XXXX XXXXX |  | Client XXXXX with XXXXX XXXXX XXXX XXXX of XXXX when XXXX is maximum allowed, XXXXX income of XXXXX when XXXXX is required, XXXX months reserves where none are required. |  |  |  | 10/10/2025 B | 2 | XXXX | VA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1679561 | XXXX | XXXX | 7176790 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX appraisal aging up to XXXX days. XXXX expired XXXX |  | Client XXXXX with XXXXX XXXXX XXXX XXXX of XXXX when XXXX is maximum allowed, XXXXX income of XXXXX when XXXXX is required, XXXX months reserves where none are required. |  |  |  | 10/10/2025 B | 2 | XXXX | VA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1679465 | XXXX | XXXX | 7219564 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report XXXXX XXXXX is missing from the loan file. XXXX credit review is on hold until documents received. | Documents received |  |  | 09/09/2025 |  | A | 1 | XXXX | HI | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679465 | XXXX | XXXX | 7219565 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, if an appraisal is more than XXXX days old, a XXXX is required. XXXX XXXX was missing from the file. XXXX to accept as is but must close prior to XXXX days old. |  | Client XXXXX with XXXXX XXXXX XXXXX have XXXXX mo XXXX required. XXXXX mortgage was XXXX XXXXX residual income is required. XXXXX has XXXXX in residual income. |  |  |  | 09/09/2025 B | 2 | XXXX | HI | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679831 | XXXX | XXXX | 7184053 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX approval was provided for use of a transferred appraisal. |  | Client XXXXX with XXXXX XXXXX XXXXX residence XXXX years); XXXX XXXX XXXXX |  |  |  | 10/25/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679901 | XXXX | XXXX | 7185439 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX property is located in an area with declining values. |  | Client waived with compensating factors: XXXX residual income is XXXX and the required residual income is XXXX XXXX XXXX is XXXX and the max XXXX is XXXX XXXX XXXXX score is XXXX and the minimum score is XXXXX |  |  |  | 10/24/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1679901 | XXXX | XXXX | 7185440 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX borrower did not have a current mortgage history reporting XXXX required under the XXXX XXXX XXXX XX program. |  | Client waived with compensating factors: XXXX residual income is XXXX and the required residual income is XXXX XXXX XXXX is XXXX and the max XXXX is XXXX XXXX XXXXX score is XXXX and the minimum score is XXXXX |  |  |  | 10/24/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1679922 | XXXX | XXXX | 7186282 | 959 | XXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX XXXX XXXX does not equal XXXXX XXXX XXXXX XXXX XXXX | Information provided |  |  | 10/24/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1679922 | XXXX | XXXX | 7186284 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval is needed for a credit profile with fewer than XX tradelines, including at least XX active ones. XXXX current credit profile shows only XX active tradeline. |  | Approval is granted for a credit profile with fewer than XX tradelines, including at least XX active ones. XXXX current credit profile shows only XX active tradeline. XXXXX factors are XXXX XXX months reserves vs XX months minimum required reserves XXXX disposable income of XXXX exceeding minimum of XXXX and XXXX XXXX of XXXX is XXXX below the maximum XXXX allowable of XXXX for a credit score exceeding XXXX (actual XXXXX |  |  |  | 10/23/2025 B | 2 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1679922 | XXXX | XXXX | 7186285 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is needed for a payment shock over XXXXX as the current payment shock stands at XXXX |  | Approval is granted for a payment shock over XXXXX as the current payment shock stands at XXXXX XXXXX factors are XXXX XXX months reserves vs XX months minimum required reserves XXXX disposable income of XXXX exceeding minimum of XXXX and XXXX XXXX of XXXX is XXXX below the maximum XXXX allowable of XXXX for a credit score exceeding XXXX (actual XXXXX |  |  |  | 10/23/2025 B | 2 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1679932 | XXXX | XXXX | 7186499 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX evidence of the borrower's XX years XXXXX XXXXX in same business, required under the XXXX XXXX XXXX XX XXXX XXX month XXXX statement program. XXXXX provide. | This borrower runs a XXXX out of their home. XXX show XXXX years of self-employment in this same line of work. XXXX file contained emails from borrower's clients indicating borrower has been their childcare for XXXX years. XXXX certs on all of these emails were included. |  |  | 10/28/2025 |  | A | 1 | XXXX | OH | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1680001 | XXXX | XXXX | 7187567 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXXX documentation for borrower social security and XXXX income verification and continuance for pension are missing from the loan file. XXXX credit review is on hold until documents are received. | Income documents provided |  |  | 10/27/2025 |  | A | 1 | XXXX | NM | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680105 | XXXX | XXXX | 7190062 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXX appraisal dated XXXXX used for the XXXX is missing form the loan file. XXXX credit review is on hold until documents are received. | Document provided |  |  | 10/27/2025 |  | A | 1 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680105 | XXXX | XXXX | 7190063 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved XXXXX of appraisal along with XXXX appraisal from XXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX property investor/owner/manager, XXXX credit no mtg lates XXXXX no derogs, XXXXX XXXX over min required ofXXX XXXXX |  |  |  | 10/27/2025 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680105 | XXXX | XXXX | 7190064 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX approval in file for use of market rent estimates from the second appraisal. XXXX market rents on appraisal XX support the current lease amounts. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX property investor/owner/manager, XXXX credit no mtg lates XXXXX no derogs, XXXXX XXXX over min required ofXXX XXXXX |  |  |  | 10/27/2025 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680105 | XXXX | XXXX | 7190065 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX approved escrows for taxes and insurance to be waived, only requiring flood ins to be escrowed. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX property investor/owner/manager, XXXX credit no mtg lates XXXXX no derogs, XXXXX XXXX over min required ofXXX XXXXX |  |  |  | 10/27/2025 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680105 | XXXX | XXXX | 7190066 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXXX approval required for XXXXX unit property with XXX over XXXX million. |  | Exception approval received for XXXXX unit property over XXXX million loan amount. XXXXX XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX property investor/owner/manager, XXXX credit no mtg lates XXXXX no derogs, XXXXX XXXX over min required ofXXX XXXXX |  |  |  | 10/30/2025 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680105 | XXXX | XXXX | 7190067 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX not included in the eligible rental income, since borrower is experienced investment property manager and does not have history of using a management company, requires XXX management approval. |  | Exception approval received for not using management expense. . XXXXX XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX property investor/owner/manager, XXXX credit no mtg lates XXXXX no derogs, XXXXX XXXX over min required ofXXX XXXXX |  |  |  | 10/30/2025 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680107 | XXXX | XXXX | 7191263 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/28/2025 |  | A | 1 | XXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680107 | XXXX | XXXX | 7191264 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXXX approval required for all XXXXX unit properties. |  | Exception approval received by XXX XXXXX for XXXXX units. XXXXX XXXX - experienced investor, mortgage history since XXXX XXXXX XXXX score XXXXX reserves XXXX | Client 10/30/2025 06:27 PM; Hi, final loan approval provides management approval for XXXXX unit. XXXX<br>Reviewer 10/31/2025 06:06 AM; Condition has been reviewed. XXX<br>|  |  | 10/30/2025 B | 2 | XXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1680193 | XXXX | XXXX | 7213501 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 11/10/2025 |  | A | 1 | XXXX | NM | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1680753 | XXXX | XXXX | 7205959 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX short term rentals require XXXX occupancy. XXXXX in file approving XXXX occupancy. |  | Compensating factors: XXXXX XXXX above minimum requirement of XXXX XXX year credit depth. XXXX mortgages paid as agreed. XXXXX has owned primary residence XX years. |  |  |  | 11/01/2025 B | 2 | XXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680753 | XXXX | XXXX | 7205960 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX term rentals require a short-term rental analysis completed by the appraiser. XXXXX approval in file allowing the use of XXXXX documentation. |  | Compensating factors: XXXXX XXXX above minimum requirement of XXXX XXX year credit depth. XXXX mortgages paid as agreed. XXXXX has owned primary residence XX years. |  |  |  | 11/01/2025 B | 2 | XXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680753 | XXXX | XXXX | 7205961 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX of XX months' rent loss missing from the file. | Hazard docs uploaded include email confirming total rent loss coverage of XXXX |  |  | 11/07/2025 |  | A | 1 | XXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680817 | XXXX | XXXX | 7214681 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property has a square footage of XXXX which is below the minimum XXXX feet required under the XXXXX XXXXX XXXXX program. |  | Exception approval received for minimum square footage. XXXXX XXXX - XXXXX paid XXXX XXXX XXXX > XX months reserves |  |  |  | 11/06/2025 B | 2 | XXXX | SC | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1680820 | XXXX | XXXX | 7214686 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXXX XXXXX XXXXX out refinance is XXXX XXXX XXXX is XXXX including XXXXX stacked points. |  | Compensating factors: XXXXX depth since XXXX experienced investor, mortgage history paid as agreed. |  |  |  | 10/21/2025 B | 2 | XXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680829 | XXXX | XXXX | 7214254 | 869 | XXXX | Credit | Flood Certificate |  | Flood Certificate - Other: |  | XXXX flood cert reflects address of XXXXX XX XXXXX XXX should be XXXXX XX XXXX XXXXX | Documents received |  |  | 09/22/2025 |  | A | 1 | XXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680829 | XXXX | XXXX | 7214255 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX approval on XXX form for tradelines. |  | Client waived with XXXXX XXXXX XXXX mortgage paid XXXXX XXXX of XXXX when maximum XXXX is XXXX score of XXXX when minimum required is XXXX |  |  |  | 09/11/2025 B | 2 | XXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680829 | XXXX | XXXX | 7214256 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX of market rents on a new construction loan. |  | Client waived with XXXXX XXXXX XXXX mortgage paid XXXXX XXXX of XXXX when maximum XXXX is XXXX score of XXXX when minimum required is XXXX |  |  |  | 09/11/2025 B | 2 | XXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680836 | XXXX | XXXX | 7214722 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 10/23/2025 |  | A | 1 | XXXX | WI | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1680844 | XXXX | XXXX | 7214736 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX than the required XXX months XXXX XXXXX XXXXX history was used to calculate the XXXXX XX months was used. |  | The client waived with compensating factors: XXXX XXXXX is XXXX and the minimum score is XXXX XXXX XXXX is XXXX with the max XXXX at XXXX XXXX XXXXX is XXXX and the minimum XXXXX is XXXXX |  |  |  | 10/22/2025 B | 2 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680846 | XXXX | XXXX | 7214738 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require borrower to be self employed XX years. XXXXX has been self-employed XXXXX years. |  | Client XXXXX with XXXXX XXXXX months of reserves where XX months required, XXXXX in residual income where XXXXX is required, XXXX XXXX when maximum is XXXXX |  |  |  | 10/10/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680846 | XXXX | XXXX | 7214739 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines all XXXX XXXXX require senior management approval. XXXXX type not approved by senior management. |  | Exception approval received for XXXX property. XXXXX XXXXX months of reserves where XX months required, XXXXX in residual income where XXXXX is required, XXXX XXXX when maximum is XXXXX | Reviewer 10/11/2025 09:04 PM; Received approval; however, the property is not reflected as XXXXX<br>Reviewer 10/11/2025 09:50 PM; The final approval is dated XXXX and does not reflect the property as XXXX even though there is an exception to allow XXXX property. XXXX revised approval<br>|  |  | 10/13/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680847 | XXXX | XXXX | 7214742 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 10/21/2025 |  | A | 1 | XXXX | CA | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1680847 | XXXX | XXXX | 7214743 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX cash out for XXXXX is XXXX XXXX approval in file for subject cash out XXXX |  | Compensating factors: XXXX XXXXX XXXX months reserves above XX months required. XXXX XXXX well below XXXX max allowed. |  |  |  | 10/24/2025 B | 2 | XXXX | CA | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1680847 | XXXX | XXXX | 7214744 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX expired. XXXXX reflect appraisal are valid for XXXX days. XXXX appraisal is dated XXXXX note dated XXXXX = XXXX days. | Received XXXX recert of value |  |  | 10/24/2025 |  | A | 1 | XXXX | CA | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1680847 | XXXX | XXXX | 7214745 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX information is required for XXXXX XXXXX XXXXX loan product when XXXXX is less than XXXXX XXXXX for subject loan is XXXXX per loan approval. |  | Exception approval received for no employment info. XXXXX is retired. XXXXX factors: XXXX XXXXX XXXX months reserves above XX months required. XXXX XXXX well below XXXX max allowed. |  |  |  | 10/27/2025 B | 2 | XXXX | CA | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1680849 | XXXX | XXXX | 7214746 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval in file for use of XXXXX XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX owned prim XXXXX and investment XXXX excellent mtg pmt history no lates, excellent credit history no derogs, XXXXX XXXX over min required of XXXX XXXXX XXXX XXXX XXXX under max of XXXX XXXX allowed, XXXX reserves of XXXX months over min required reserves of XX months. |  |  |  | 10/21/2025 B | 2 | XXXX | IL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680855 | XXXX | XXXX | 7214754 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXX file is missing proper identification. XXXXX of drivers license or similar. | Notarized XXXX form is in the file |  |  | 11/05/2025 |  | A | 1 | XXXX | OR | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680855 | XXXX | XXXX | 7214755 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX guidelines, a verbal XXXX must be done within XXX day prior to the note date. | Received XXX day XXXX |  |  | 11/05/2025 |  | A | 1 | XXXX | OR | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680855 | XXXX | XXXX | 7214756 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX property is XXXX XXXXX approval given. |  | Client XXXXX with XXXXX XXXXX XXXXX mortgage history of XXXX and XXXXX XXXXX income of XXXX versus XX months that are required. XXXXX reserves is XX months but borrower has XXXXX months reserves. |  |  |  | 11/05/2025 B | 2 | XXXX | OR | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1680863 | XXXX | XXXX | 7214764 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX time home buyers with XXXXX ratio XXXXX requires management approval. XXXX XXXXX XXXXX XXXX exceeding XXXX on XXXX XXXXX XXXXX XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has excellent credit no derogs, XXXXX XXXX over minimum required XXXXX of XXXX XXXX reserves of XXXX over XX months reserves required. |  |  |  | 10/13/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680863 | XXXX | XXXX | 7214765 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX residence purchase, XXXXX with no primary residence/rental payment history-lives with family, requires XXX management approval. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has excellent credit no derogs, XXXXX XXXX over minimum required XXXXX of XXXX XXXX reserves of XXXX over XX months reserves required. | Reviewer 10/13/2025 01:17 PM; <br>|  |  | 10/13/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680866 | XXXX | XXXX | 7214770 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX < XXXXX |  | Client XXXXX with XXXXX XXXXX XXXXX in primary residence XXX years, XXXX XXXX XXXXX credit depth dating back to XXXXX showing no late payments. |  |  |  | 10/14/2025 B | 2 | XXXX | MD | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680866 | XXXX | XXXX | 7214771 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX the borrowers employment information is required to be on the XXXXX for XXXXX XXXX | Revised XXXXX provided |  |  | 10/16/2025 |  | A | 1 | XXXX | MD | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680872 | XXXX | XXXX | 7214777 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved to proceed as is on property regardless of deferred maintenance which appears to include XXXXX which is working but just old. XXXX other issues are cosmetic |  | COMPENSATING XXXXX XXXXX XXXXX with comp factors: XXXXX has XXXX mtg history with no lates. XXXX using rental income to qualify, XXXX XXXX XXXXX under max allowed of XXXXX |  |  |  | 10/29/2025 B | 2 | XXXX | AL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680872 | XXXX | XXXX | 7214779 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved XXX under XXXX |  | COMPENSATING XXXXX XXXXX XXXXX with comp factors: XXXXX has XXXX mtg history with no lates. XXXX using rental income to qualify, XXXX XXXX XXXXX under max allowed of XXXXX |  |  |  | 10/29/2025 B | 2 | XXXX | AL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680872 | XXXX | XXXX | 7214780 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval for reserves under XXXX XXXXX are just under XXXXX c/o is used as reserves. |  | Exception approval received for low reserves. XXXXX XXXX - XXXXX has XXXX mtg history with no lates. XXXX using rental income to qualify, XXXX XXXX XXXXX under max allowed of XXXXX |  |  |  | 10/30/2025 B | 2 | XXXX | AL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680879 | XXXX | XXXX | 7214798 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval required for XXXX property value is in file. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX credit no derogatory XXXXX XXXX above min required XXXXX of XXXXX XXXX mtg history no lates, XXXX XXXX XXXX under max of XXXX allowed, XXXX reserves XXXXX over required reserves of XX months with XXXX under XXXX XXXX job time s/e over XX yrs and XXXXX |  |  |  | 10/17/2025 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1680879 | XXXX | XXXX | 7214799 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved property on XXXX XXXX XXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXX credit no derogatory XXXXX XXXX above min required XXXXX of XXXXX XXXX mtg history no lates, XXXX XXXX XXXX under max of XXXX allowed, XXXX reserves XXXXX over required reserves of XX months with XXXX under XXXX XXXX job time s/e over XX yrs and XXXXX |  |  |  | 10/17/2025 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1680880 | XXXX | XXXX | 7214800 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX borrower is a XXXX XXXXX XXXXX with less than a XXXX XXXXX XXXX XXXXX is XXXX |  | Client waived with compensating factors: XXXX XXXXX is XXXX with a minimum of XXXX XXXX borrower has owned the primary residence for XXX years. XXXX borrowers mortgage is paid on time with XXXX mortgage history. |  |  |  | 11/05/2025 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1680880 | XXXX | XXXX | 7214801 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property is over the max acreage of XXXXX and a unique property with an XXXX. |  | Client waived with compensating factors: XXXX XXXXX is XXXX with a minimum of XXXX XXXX borrower has owned the primary residence for XXX years. XXXX borrowers mortgage is paid on time with XXXX mortgage history. |  |  |  | 11/05/2025 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1680880 | XXXX | XXXX | 7214802 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX borrower is short on reserves. XXXX the XXXXX XXXXX XXXXX XXXXX with a XXXXX less than XXXXX the borrower is required to have XXX months reserves. XXXX borrower has XXXXX or XXXX months and needs XXXXX XXXX borrower is short XXXXX in reserves. |  | Exception approval received for reserve < XXX months. compensating factors: XXXX XXXXX is XXXX with a minimum of XXXX XXXX borrower has owned the primary residence for XXX years. XXXX borrowers mortgage is paid on time with XXXX mortgage history. |  |  |  | 11/08/2025 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1680880 | XXXX | XXXX | 7214803 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX is over the XXXX maximum for the XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX program. XXXX XXXX is XXXX XXXXX exception. |  | Client waived with compensating factors: XXXX XXXXX is XXXX with a minimum of XXXX XXXX borrower has owned the primary residence for XXX years. XXXX borrowers mortgage is paid on time with XXXX mortgage history. |  |  |  | 11/06/2025 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1680885 | XXXX | XXXX | 7214807 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX use of brokers appraisal. |  | Client XXXXX with XXXXX XXXXX XXX months reserves, low payment shock of XXXXX where XXXXX is maximum allowed, XXXXX scores of XXXX where XXXX is the minimum allowed. |  |  |  | 10/29/2025 B | 2 | XXXX | GA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1680887 | XXXX | XXXX | 7214809 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/20/2025 |  | A | 1 | XXXX | NV | 1 | 1 D A | B | A |  | Safe Harbor QM (APOR) | 1 |
| 1680887 | XXXX | XXXX | 7214810 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXX per XXXXX guidelines, the title insurance must be equal to or greater than the loan amount of XXXX XXXX insurance is XXXXX | Revised XXXX XXXXX provided |  |  | 10/21/2025 |  | A | 1 | XXXX | NV | 1 | 1 D A | B | A |  | Safe Harbor QM (APOR) | 1 |
| 1680887 | XXXX | XXXX | 7214811 | 229 | XXXX | Compliance | UW Approval |  | UW Approval - Signed underwriting approval not in the file: |  | XXX approval in the file is for XXXX | Received correct approval |  |  | 10/21/2025 |  | A | 1 | XXXX | NV | 1 | 1 D A | B | A |  | Safe Harbor QM (APOR) | 1 |
| 1680888 | XXXX | XXXX | 7214814 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the minimum square footage for a property is XXXX XXXXX XXXX is less than XXXX XX |  | Client XXXXX with XXXXX XXXXX XXXXX has a XXXX XXXXX the maximum is XXXX XXXXX history is XXXX XX months reserves are required. XXXX XXXXX has XXXXX mo reserves. |  |  |  | 10/20/2025 B | 2 | XXXX | HI | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1680889 | XXXX | XXXX | 7214815 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX XXXXX does not reference a XXXXX XXXXX XXXX proof of insurance with policy/binder number. | Information provided |  |  | 10/31/2025 |  | A | 1 | XXXX | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680889 | XXXX | XXXX | 7214816 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX use of transferred appraisal per XXXX |  | Client XXXXX with XXXXX XXXXX XXXXX has owned primary XX years with no late payments on mortgage history, XXXX XX years, XXXXX income of XXXXX where XXXXX is required, XXX months reserves. |  |  |  | 10/28/2025 B | 2 | XXXX | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680889 | XXXX | XXXX | 7214817 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX units still owned by the XXXX and low reserves. |  | Client XXXXX with XXXXX XXXXX XXXXX has owned primary XX years with no late payments on mortgage history, XXXX XX years, XXXXX income of XXXXX where XXXXX is required, XXX months reserves. |  |  |  | 10/28/2025 B | 2 | XXXX | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680889 | XXXX | XXXX | 7214818 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX dated XXXXX XXXX XXXXX XXXX date XXXXX | Received recert of value |  |  | 10/28/2025 |  | A | 1 | XXXX | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680889 | XXXX | XXXX | 7214819 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX of XXXX account dated XXXXX XXXX XXXX XXXX date XXXX | Dated XXXX and good for XXX days, and expires on XXXX |  | Client 10/28/2025 03:33 PM; Dated XXXX and good for XXX days, and expires on XXXXX XXXX you. <br>Reviewer 10/29/2025 01:34 PM; Conditions have been reviewed. XXX<br>| 10/29/2025 |  | A | 1 | XXXX | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680891 | XXXX | XXXX | 7214820 | 340 | XXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXX per XXXXX guidelines, a minimum of XX months rental loss is required. XXXX policy has less than XX months rental loss. | Per loan approval, used XXXXX report to determine rents. XXXXX uploaded |  |  | 10/22/2025 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1680902 | XXXX | XXXX | 7214839 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX the use of XXXX appraisal. |  | Client XXXXX with XXXXX XXXXX XXXX months reserves where XX months is required, XXXX down payment using borrower own funds, self-employed XXXX for XXX years. |  |  |  | 10/20/2025 B | 2 | XXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680903 | XXXX | XXXX | 7214841 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX appraisal from non-approved XXXX |  | Client XXXXX with XXXXX XXXXX XXX months reserves, XXXXX residual income where XXXXX is required, XXX years of credit depth with no derogatory credit. |  |  |  | 10/22/2025 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680903 | XXXX | XXXX | 7214842 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX exceeds maximum limit of XXXX XXXX XXXX is XXXX when XXXX is greater than XXXX |  | Exception approval received for XXXX XXXXX XXXXX XXXXX XXX months reserves, XXXXX residual income where XXXXX is required, XXX years of credit depth with no derogatory credit. |  |  |  | 10/22/2025 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680908 | XXXX | XXXX | 7214854 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX is required. | Received XXXX |  |  | 10/21/2025 |  | A | 1 | XXXX | CA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1680908 | XXXX | XXXX | 7214855 | 1018 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | XXXX (self-employed questionnaire) is required. | Received XXX |  |  | 10/21/2025 |  | A | 1 | XXXX | CA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1680910 | XXXX | XXXX | 7214859 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 11/06/2025 |  | A | 1 | XXXX | NJ | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1680914 | XXXX | XXXX | 7214868 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved XXXXX amount under XXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has owned property since XXXXX XXXX is higher than market rents used to qualify with XXXX XXXXX XXXXX XXXX mtg payment history XXXXX XXXX reserves of XXXXX over XXXX required. |  |  |  | 10/28/2025 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680920 | XXXX | XXXX | 7219566 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing completed |  |  | 11/05/2025 |  | A | 1 | XXXX | AR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1680920 | XXXX | XXXX | 7219568 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX XXXX for XXXX XXXX loan using XXXX XXXX is XXXX on XXXX of XXXX XXXXX closed with a XXXX of XXXXX and XXXX of XXXX |  | Client XXXXX with XXXXX XXXXX XXXX XXXXX XXXX where the guideline minimum is XXXXX credit depth of XXX years, XXXX mortgage payment history; residual income of XXXX per month where the guideline minimum is XXXX |  |  |  | 11/04/2025 B | 2 | XXXX | AR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1680924 | XXXX | XXXX | 7214888 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, XXXX shock cannot exceed XXX current housing payment. XXXXX exceeds XXXX |  | Client XXXXX with XXXXX XXXXX XXXX on rent. XXXXX residual income is XXXXX XXXXX have XXXXX in residual income. XX months reserves are required. XXXX have XXXXX months. |  |  |  | 10/13/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1680932 | XXXX | XXXX | 7214906 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is a XXXXX with short term rental income. XXX per XXXXX guidelines, the XXXXX must be XXXXX or greater. XXXXX on loan is below XXXX |  | Client XXXXX with XXXXX XXXXX XXXX program XXXX is XXXX XXXX on loan is XXXX XXXX months reserves are required but borrower has XXXXX months. XXXXX history of XXXX |  |  |  | 11/05/2025 B | 2 | XXXX | NH | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680933 | XXXX | XXXX | 7214907 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX maximum XXXX for an asset qualifier loan is XXXX XXXXX is XXXX XXXXX |  | Client XXXXX with XXXXX XXXXX XXXXX XXXX mortgage history of XXXX XX months reserves are required. XXXXX has XXXX months. XXXXX income of XXXXX is required. XXXXX has XXXXX in residual income. |  |  |  | 10/31/2025 B | 2 | XXXX | CT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680937 | XXXX | XXXX | 7214913 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX provided to use XXXX XXXXX XXXX along with appraisal from purchase of subject property in XXXX |  | Client XXXXX with XXXXX XXXXX XXX file since XXXX XXXXX months reserves when only XX months required; XXXX fico score where the minimum required is XXXXX experienced investors currently owns two investment properties. |  |  |  | 11/05/2025 B | 2 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680942 | XXXX | XXXX | 7214923 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the maximum XXXX for a fixed income applicant(s) is XXXX XXXXX XXXX exceeds XXXXX |  | Client XXXXX with XXXXX XXXXX XXXX XXXX is XXXX for a second home. XXXXX XXXX is XXXXX XXXX are no required reserves but borrowers have XXXXX mo reserves. XXXXX residual income is XXXXX XXXX have XXXXX in residual income. |  |  |  | 10/17/2025 B | 2 | XXXX | AL | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680942 | XXXX | XXXX | 7214924 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the maximum payment shock is XXXX XXXX own current primary residence free and clear. |  | Client XXXXX with XXXXX XXXXX XXXX XXXX is XXXX for a second home. XXXXX XXXX is XXXXX XXXX are no required reserves but borrowers have XXXXX mo reserves. XXXXX residual income is XXXXX XXXX have XXXXX in residual income. |  |  |  | 10/17/2025 B | 2 | XXXX | AL | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680943 | XXXX | XXXX | 7214926 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval required for a borrower XXXX XXXX having less than XX active trade lines (actual is XXXXX |  | Approval has been granted for the co-borrower, who has fewer than two active trade lines (currently one). XXXX compensating factors include a low XXXX of XXXXX a XXXXX of XXXX and the co-borrower possessing sufficient tradelines with three mortgages paid on time. |  |  |  | 10/30/2025 B | 2 | XXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680943 | XXXX | XXXX | 7214927 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 10/29/2025 |  | A | 1 | XXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680947 | XXXX | XXXX | 7214931 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan is a XXXXX and the borrower does not have the required primary housing expense. |  | Client waived with compensating factors: XXXX XXXXX is XXXX with the minimum XXXXX of XXXX XXXX XXXXX is XXXX with a minimum XXXXX at XXXX XXXX XXXX is XXXX and the max XXXX for cash out is XXXXX |  |  |  | 10/23/2025 B | 2 | XXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680961 | XXXX | XXXX | 7214960 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXXX - XXXXX XXXXX statement missing from file. XXXXX XXXXX and XXXX XXXXX in file. XXXXX must be consecutive. | Received XXXXX statement |  |  | 11/06/2025 |  | A | 1 | XXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680961 | XXXX | XXXX | 7214961 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXX from refinance of XXXX XXXXX required. XXXX XXX in file is not signed nor certified as the final XXXXX | Received signed XX |  |  | 11/05/2025 |  | A | 1 | XXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680961 | XXXX | XXXX | 7214962 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX for a XXXXX XXXXX XXXXX XXXXX in file for XXXX XXXX with XXXX stacked points. |  | Compensating factors: XXXXX history paid as agreed. XXXXX XXXX above minimum requirement of XXXX XXXXX XXXX above minimum requirement of XXXXX |  |  |  | 11/05/2025 B | 2 | XXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680974 | XXXX | XXXX | 7214986 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX use of broker appraisal. |  | Client XXXXX with XXXXX XXXXX XXXX over XXX years, mortgage history XXX years, XXX months reserves. |  |  |  | 10/28/2025 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680974 | XXXX | XXXX | 7214987 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX less than XXXXX and greater than XXXX |  | Client XXXXX with XXXXX XXXXX XXXX over XXX years, mortgage history XXX years, XXX months reserves. |  |  |  | 10/28/2025 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680975 | XXXX | XXXX | 7214988 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX borrower is waiving escrows which requires a XXXX XXXXX and XXXX under XXXX for the XXXX XXXX XXXX XX program. XXXX borrower has a XXXX XXXX however the XXXX is XXXXX XXXX approval for waiver of escrow with an XXXX over XXXXX |  | Exception approval received for escrow waiver. XXXXX XXXX - XXXX fico- minimum XXXXX residual income XXXXX owned prior primary home XX years. | Reviewer 11/05/2025 08:22 AM; The approval document received did not specifically mention an exception was made for waiving escrows. XXXXX provide.<br>|  |  | 11/06/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1680975 | XXXX | XXXX | 7214989 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX property is in a rural location. XXXX the XXXX XXXX alt XX program rural properties need client approval. XXXXX submit. |  | Exception approval received for rural properties. XXXXX XXXX - XXXX fico- minimum XXXXX residual income XXXXX owned prior primary home XX years. |  |  |  | 11/05/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1680983 | XXXX | XXXX | 7215005 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX square footage per guidelines is XXXX ft. property is XXXX sq ft. |  | Client XXXXX with XXXXX XXXXX XXXX XXXXX with XXX years of credit depth and no derogatory credit, XX months of reserves, borrower has owned primary residence XX years. |  |  |  | 10/23/2025 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680983 | XXXX | XXXX | 7215006 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX appraisal completed by a non-approved XXXX appraiser. |  | Client XXXXX with XXXXX XXXXX XXXX XXXXX with XXX years of credit depth and no derogatory credit, XX months of reserves, borrower has owned primary residence XX years. |  |  |  | 10/23/2025 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680984 | XXXX | XXXX | 7215007 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require minimum loan amount of XXXX XXXXX amount is XXXXX |  | Client XXXXX with XXXXX XXXXX XXXX years living at primary residence; XXX years credit depth when only XX years required. |  |  |  | 11/04/2025 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680988 | XXXX | XXXX | 7215010 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXX majority of the income used to qualify is from fixed income source, the max XXXXX XXXX is XXXX and a minimum gross residual income of XXXXX per household is required. XXXX XXXXX XXXX exceeding XXXX w/majority of the income is from fixed income source. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has excellent credit no derogs, excellent mtg payment history with no lates, XXXXX XXXX over min required XXXXX of XXXX XXXX XXXX XXXXX under max XXXX XXXX allowed. |  |  |  | 11/04/2025 B | 2 | XXXX | HI | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680988 | XXXX | XXXX | 7215011 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXXX approved combining balances on the retirement accounts, XXXXX XXXXX and XXXX XXXXX to meet the XXXXX continuance on the XXXX distribution, distribution letter in file is only from XXXXX XXXXX for XXXX effective XXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has excellent credit no derogs, excellent mtg payment history with no lates, XXXXX XXXX over min required XXXXX of XXXX XXXX XXXX XXXXX under max XXXX XXXX allowed. |  |  |  | 11/04/2025 B | 2 | XXXX | HI | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681001 | XXXX | XXXX | 7215038 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, XXXX subject properties must be XXXX sf. XXXX is smaller than XXXX XX |  | Client XXXXX with XXXXX XXXXX XXXX mortgage history. XX years in primary residence. XXXXX has XXXXX reserves when XX months is required. |  |  |  | 11/05/2025 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681001 | XXXX | XXXX | 7215039 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is a conversion property and now a condotel. XXX XXXXX to approve. |  | Client XXXXX with XXXXX XXXXX XXXX mortgage history. XX years in primary residence. XXXXX has XXXXX reserves when XX months is required. |  |  |  | 11/05/2025 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681003 | XXXX | XXXX | 7215041 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 11/06/2025 |  | A | 1 | XXXX | FL | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1681005 | XXXX | XXXX | 7215047 | 862 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 10/21/2025 |  | A | 1 | XXXX | CO | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1681005 | XXXX | XXXX | 7215048 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for XXXX XXXX XXXX XXXX is XXXX XXXXX approval in file XXXX including XXXX stacked points. |  | Compensating factors: XXXXX XXXX above minimum requirement of XXXX XXXX a credit abuser. |  |  |  | 10/27/2025 B | 2 | XXXX | CO | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1681006 | XXXX | XXXX | 7215049 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXXX XXXX XXXX with a XXXXX ratio > XXXXX and < XXXXX and XXXXX XXXX is XXXX XXXX XXXX is XXXX includes XXXXX stacked points. XXXX XXXXX in file for XXXX XXXX |  | Compensating factors: XXXX paid as agreed, experienced investor, market rent used to qualify and lease agreements in file reflect higher rents, XXXXX months reserve above minimum requirement of XXX months. |  |  |  | 11/04/2025 B | 2 | XXXX | NM | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1681010 | XXXX | XXXX | 7215054 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXXX requires XXX management approval XXXX XXXXX XXXX property approved by XXXX XXXXX |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has excellent mtg pmt history with no lates, excellent credit no derogs, XXXXX XXXX over required XXXXX of XXXX XXXX reserves XXXXX over required XX mo reserves. |  |  |  | 11/05/2025 B | 2 | XXXX | CO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681027 | XXXX | XXXX | 7215079 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX guidelines, a verbal XXXX must be completed for a XXX borrower within XXX days of the note date. | Documentation has been received. |  |  | 11/07/2025 |  | A | 1 | XXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1681027 | XXXX | XXXX | 7215080 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is located in a declining market. XXXXX approval is needed. |  | Client XXXXX with XXXXX XXXXX XXXXX history of XXXXX XXXXX residual income of XXXXX XXXXX has XXXXX XXXX months reserves are needed. XXXXX has XXXXX months. |  |  |  | 11/06/2025 B | 2 | XXXX | TX | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1681028 | XXXX | XXXX | 7215081 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX for a XXXXX XXXXX out refinance for a XXXX unit. XXXXX in file for XXXX including XXXXX stacked points. |  | Client XXXXX with XXXXX factors: XXXX XXXXX XXXXX has owned primary residence for XXX years. XXXXX has owned subject since XXXX XXXX XXXXX above minimum requirement of XXXXX |  |  |  | 11/06/2025 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681029 | XXXX | XXXX | 7215082 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXXX cash out refinance XXXX unit is XXXX XXXXX in file for XXXXX including XXXXX stacked points. |  | Client XXXXX with XXXXX factors: XXXXX has owned primary residence for XXX years, XXXXX has owned subject since XXXX XXXX mortgage payment history, experienced investor. |  |  |  | 11/06/2025 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681031 | XXXX | XXXX | 7215087 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX appraisals must be XXXX XXXXX in file to allow broker transferred appraisal. |  | Compensating factors: XXXX XXXXX XXXXX XXXX above minimum requirement of XXXX XXXX mortgages paid as agreed. |  |  |  | 11/05/2025 B | 2 | XXXX | NM | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681031 | XXXX | XXXX | 7215088 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX of XX months rent loss missing from file. | Received XXXX with XX months rent loss coverage |  |  | 11/09/2025 |  | A | 1 | XXXX | NM | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681031 | XXXX | XXXX | 7215089 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX for a XXXXX cash out refinance. XXXXX in file for XXXX including XXXXX stacked points. |  | Compensating factors: XXXX XXXXX XXXXX XXXX above minimum requirement of XXXX XXXX mortgages paid as agreed. |  |  |  | 11/05/2025 B | 2 | XXXX | NM | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681035 | XXXXX | XXXXX | 7215117 | 219 | XXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | XXXX XXXX XXXXX XXXX is missing from file. | Information provided |  | Reviewer 06/13/2025 10:02 AM; Funding date is not reflected in the prepaid interest lien<br>Client 06/25/2025 04:53 PM; Can you please give me clarification what the XXXXX response means? XXX this on the XXXXX your looking for this info? XX am confused because we provided the XXXX XXX and then this was added. XXXXX clarify. XXXX you <br>Reviewer 06/26/2025 04:48 AM; <br>Reviewer 06/26/2025 11:04 AM; Hello, <br> XXXX prepaid interest line on XXX provided reflects XXXX per day from..." XXX need the XXXXX date entered as that would be the date the loan funded. XXXXX provide a corrected final XX<br>Reviewer 06/26/2025 11:04 AM; The prepaid interest line on XXX provided reflects XXXX per day from..." XXX need the XXXXX date entered as that would be the date the loan funded. XXXXX provide a corrected final XX<br>| 07/11/2025 |  | A | 1 | XXXX | TN | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1681035 | XXXXX | XXXXX | 7215118 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | XXXX secondary valuation as XXX score was not determined. | Received XXXXX XXXX |  |  | 06/10/2025 |  | A | 1 | XXXX | TN | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1681084 | XXXX | XXXX | 7216812 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Information provided |  |  | 11/11/2025 |  | A | 1 | XXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681084 | XXXX | XXXX | 7216813 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan does not meet the XXXXX XXXXX requirement for the XXXXX XXXXX XXXXX XXX year XXXX XXX year fixed program, the XXXXX is XXXX |  | Client waived with compensating factors: XXXX borrower has a XXX year credit depth. XXXX XXXXX score is XXXX with a minimum of XXXX XXXX mortgage history is reported as XXXX and the required history is XXXXX |  |  |  | 11/07/2025 B | 2 | XXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681087 | XXXX | XXXX | 7216911 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, the borrower must be experienced in multi family property investing. XXXX is XX units and borrower is not experienced in multi family properties. |  | Client XXXXX with XXXXX XXXXX XXXXX reserves is XX months. XXXXX has XXXXX months. XXXXX has been employed in the same field XXXXX years. XXXX mortgage history is XXXXX |  |  |  | 11/10/2025 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681101 | XXXX | XXXX | 7217556 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX the guidelines for the XXXXX loan program, the maximum XXXX for a cash-out refinance is XXXX XXXX subject loan closed at XXXX |  | Client XXXXX with XXXXX XXXXX base XXXX XXXXX XXXX on a current mortgage. XXXXX years in current home. XX months reserves are required; borrower has XXXXX months. | Client 11/11/2025 01:11 PM; Guidelines based on unstacked loan amount. XXXXX is within guidelines. XXXX<br>Reviewer 11/11/2025 02:07 PM; Condition has been reviewed. XXX<br>|  |  | 11/11/2025 B | 2 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681107 | XXXXX | XXXXX | 7217815 | 1018 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | XXXX verification of business(es) existence within XXX days of close through a disinterested XXXX party. | Documentation provided |  |  | 09/18/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Exempt | 1 |
| 1681107 | XXXXX | XXXXX | 7217816 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXX verbal XXXX for XXX dated within XXX business days of closing per guideline requirements for self-employed borrowers. | Documentation provided |  |  | 09/18/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Exempt | 1 |
| 1681108 | XXXXX | XXXXX | 7217819 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX XXXXX for missing XXXXX housing history. XXXX loan application indicates the borrower has occupied the subject property for XXX months, but records show the borrower acquired the property in XXXX XXXX prior address listed on the loan application reflects a XXXX occupancy. XX property profile report confirms that the prior property was previously owned by individuals with the same last name but not by the borrowers. XXXX living rent free with a spouse are acceptable with rent-free letter from spouse and evidence of spouses ownership. XXXX living rent free with anyone other than spouse are not eligible however could be reviewed for exception. - no exception in the file. |  | Exception approval received for lack of housing history. XXXXX XXXX - XXXXX XXXXX minimum XXXXX residual income XXXXX > XX years investor experience. | Reviewer 09/29/2025 03:55 PM; Document received was a list of zelle payments to XXXXX XXXXX for XXXX from XXXX XXXXX - XXXX XXXXX XXXX was no XXXX account associated with these payments. XXXXX to identify these payments came from borrower and why they are being sent to XXXXX XXXX<br>Reviewer 10/11/2025 10:13 AM; Provide documentation to verify XXXXX XXXXX held the mortgage for borrower's previous primary home at XXXXX XXXX XXXX for which borrower's paid XXXX per month.<br>|  |  | 10/15/2025 B | 2 | XXXX | TX | 1 | 13 C B | A | A |  | Exempt | 1 |
| 1681083 | XXXX | XXXX | 7244034 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide, along with XXXX to re-record. | Exhibit XX provided |  |  | 11/11/2025 |  | A | 1 | XXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681083 | XXXX | XXXX | 7244035 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX annual premium amount is missing on the XXXX policy. | Information provided |  |  | 11/03/2025 |  | A | 1 | XXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681083 | XXXX | XXXX | 7244036 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX square footage for a non warrantable condo is XXXX square feet. XXXX is XXXX square feet. |  | Exception approval received for minimum square feet. XXXXX factors: XXX years credit history paid as agreed, XXXXX history paid as agreed, XXXXX XXXXX greater than minimum XXXX XXX months reserve well above minimum XX months required. |  |  |  | 11/04/2025 B | 2 | XXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681083 | XXXX | XXXX | 7244037 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX must have XXXXX XXXXX XXXX with minimum XX months reserve. XXXXX in file for subject having no reserves. |  | Compensating factors: XXX years credit history paid as agreed, XXXXX history paid as agreed, XXXXX XXXXX greater than minimum XXXX XXX months reserve well above minimum XX months required. |  |  |  | 11/01/2025 B | 2 | XXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1676353 | XXXX | XXXX | 7160359 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX is failing XXX tolerance for the increase in the XXXX fee in XXXX XX of the XXXXX XXX without a valid explanation. XXXX amount is XXXX 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 09/15/2025 03:13 PM; No documentationn provided<br>Reviewer 09/16/2025 01:58 PM; COC provided does not address the increase in appraisal fee. XXXXX is required<br>| 09/25/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1678072 | XXXX | XXXX | 7161681 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX warrantable condo due to XXXXX units being non owner occupied and a huge special assessment for roof work that appears to be completed but must have XXXXX management approval |  | Received exception approval for non warrantable condo. XXXXX XXXX - credit depth XXX years, score XXX | Reviewer 09/26/2025 10:18 AM; Approval received did not specifically include the non-warrantable condo as an exception.<br>|  |  | 09/30/2025 B | 2 | XXXX | OR | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1679453 | XXXX | XXXX | 7176589 | 355 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Incorrect Product Registration |  | XXXXX was submitted as XXXXX XXXXX under the XXXX XXXX XX product as per XXXX in the file, this property is actually a primary residence for XXX and a non-owner occupied for XXXXX XXXX letter states XXX will visit from time to time but intention appears as not be a true XXXX home. XXXXX does not qualify as a true XXXX home as XXX will be a permanent resident of XXX with a XXX drivers license, etc. | The loan was approved as a second home, since it is the "safer" or "conservative" option given the situation. XXXX XXX is the higher earner who is not occupying the property, so it would be a second home for him. XXX is going to move in eventually, but we don't know exactly when. XXXX residence docs requires property will be occupied by the borrowers by XXX days. XXXXX homes don't have a restriction as to when borrower needs to occupy. XXXXX allows a slow transition for the borrowers. XXXXXXX , the XXXX would be exactly the same either way, so the figures in the loan shouldn't change |  | Client 09/29/2025 03:52 PM; The loan was approved as a second home, since it is the "safer" or "conservative" option given the situation. XXXX XXX is the higher earner who is not occupying the property, so it would be a second home for him. XXX is going to move in eventually, but we don't know exactly when. XXXX residence docs requires property will be occupied by the borrowers by XXX days. XXXXX homes don't have a restriction as to when borrower needs to occupy. XXXXX allows a slow trans<br>Reviewer 09/30/2025 03:30 PM; Condition has been reviewed. XXX<br>| 09/30/2025 |  | A | 1 | XXXX | FL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1679461 | XXXX | XXXX | 7213526 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX amounts must be supported by third party sources i.e. XXXX XXXXX or rent range. XXXXX one lease is supported by XXXX borrower has XXX leased rental properties. | Leases do not need to be supported by XXXX as they are non-subject properties. |  | Client 09/23/2025 04:46 PM; Unclear why these leases need to be supported by XXXX as they are non subject properties. XXXX you. <br>Reviewer 09/24/2025 05:44 AM; Condition has been reviewed. XXX<br>| 09/24/2025 |  | A | 1 | XXXX | SC | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1679479 | XXXX | XXXX | 7176635 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXX tolerance violation for addition of XXXX XXXX XXXX on XXX dated XXXX without a valid XXXX XXXX tolerance violation of XXXX XX refund in the amount of XXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXX | Information provided |  | Client 09/30/2025 12:21 PM; Total closing costs were less than initially disclosed, and under XXXXX would not require a refund. XXX the borrower ultimately pays less in total closing costs on the XXXX XXXXX XXXXX than were disclosed on the XXXXX XXXXX XXXX there is no violation and no cure required. XXXX borrower paid XXXX less than what was originally disclosed and therefore the refund of XXXX is not required. XXXX you.<br>Reviewer 09/30/2025 01:46 PM; Hello <br> XXXXX tolerance fees are fee based, not an overall amount of the fees charged. XXXX is no valid coc for the addition of the XXXX appraisal. XXXXX is required. <br>XXXX<br>Reviewer 09/30/2025 03:02 PM; <br>| 10/06/2025 |  | A | 1 | XXXX | FL | 1 | 1 C B A | C | A C B |  | Non-QM | 1 |
| 1679522 | XXXX | XXXX | 7176715 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX are using XXX mo XXXX statements and asset depletion for income. XXXX maximum loan XXXX when using asset depletion is XXXX XXXXX closed at XXXX |  | Client XXXXX with XXXXX XXXXX XXXX years self employed. XXXXX income of XXXXX when XXXXX is required. XXXX have XXXXX mo reserves when only XX months are required. | Reviewer 10/13/2025 07:06 AM; LTV includes XXXX stacked points. <br>|  |  | 10/10/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679465 | XXXX | XXXX | 7219563 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX are four borrowers on the loan but only two on title. | Per title email in file. XXXX and XXXXX are non-titleholder borrowers and are only reflected on the lien report, not XXXX or commitment. |  | Client 09/10/2025 06:44 PM; Per title email in file. XXXX and XXXXX are non-titleholder borrowers and are only reflected on the lien report, not XXXX or commitment. XXXX you. <br>Reviewer 09/11/2025 06:07 AM; Condition has been reviewed. XXX<br>| 09/11/2025 |  | A | 1 | XXXX | HI | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680901 | XXXX | XXXX | 7214837 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval for stacked XXXX of XXXXX XXXX XXXX XXXX for program. |  | Client waived with compensating factors: base XXXX XXXXX homeowner for over five years, good credit and not a credit abuser, good reserves of XXXXX | Client 11/03/2025 06:38 PM; Stacking is allowed without approval. XXXX<br>Reviewer 11/04/2025 10:28 AM; Condition has been reviewed. XXX<br>Reviewer 11/04/2025 12:12 PM; An updated approval with senior management approval is required for all XXXX reviews.<br>Client 11/05/2025 12:35 PM; Unclear what is being requested here. XXXXX are based on unstacked loan amount, which is within guidelines. XXXXX clear or further clarify what is being requested. XXXX you. <br>Reviewer 11/05/2025 01:09 PM; Condition has been reviewed. XXX<br>|  |  | 11/05/2025 B | 2 | XXXX | IL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680920 | XXXX | XXXX | 7219569 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX XXXX of XXXX for the XXXX XXXX loan program using XXXX XXXX XXXX loan closed at XXXX XXXXX |  | Client XXXXX with XXXXX XXXXX XXXXX XXXX XXXXX XXXX XXXXX XXXX where the guideline minimum is XXXXX credit depth of XXX years, XXXX mortgage payment history; residual income of XXXX per month where the guideline minimum is XXXX | Client 11/04/2025 12:13 PM; Guidelines based on unstacked loan approval. XXXXX is within guidelines. XXXX you. <br>Reviewer 11/05/2025 12:16 PM; Condition has been reviewed. XXX<br>|  |  | 11/05/2025 B | 2 | XXXX | AR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1680988 | XXXX | XXXX | 7215012 | 904 | XXXX | Credit | UW Assets |  | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds |  | XXXXX loan final XXX is required to verify stated funds of XXXX | Information provided |  | Reviewer 11/05/2025 11:47 AM; Return file to XXX for review upon receipt of bridge XX<br>Reviewer 11/06/2025 08:31 PM; File returned to XXXXX XXX for review of XXXXX XXX received.<br>| 11/06/2025 |  | A | 1 | XXXX | HI | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1681107 | XXXXX | XXXXX | 7217817 | 1017 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  | XXXX signed and dated XXXX XXXX for all businesses in which the borrower owns a XXXX or greater interest in as required per guidelines. | Borrower does not have/own XXXX or more ownership in any of his businesses |  | Client 09/19/2025 01:00 PM; Good afternoon XXXXX XXXXX note XXXXX does not have/own XXXX or more ownership in any of his businesses he is a part of thank you so much. XXXXX also see XXXX previously provided. XXXXX again!<br>Reviewer 09/19/2025 01:52 PM; Condition has been reviewed. XXX<br>| 09/19/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Exempt | 1 |
| 1677530 | XXXX | XXXX | 7160651 | 339 | XXXX | Credit | UW Other |  | UW Other - UW - Data Input Error |  | XXXX final XXX shows the loan terms with a payment of XXXXX XXXX estimated XXXX and insurance of XXXX XXXX projected payments shows principal of XXXXX and taxes and insurance of XXXX XXXX a new XXXX XXXXX reflecting in the projected XXXXX section XXXX & XXXXX in the amount of XXXX |  | Client waived with compensating factors: XXXX XXXXX good pride in ownership living in primary for XX years, mortgage paid XXX for XXX months, XXXXX XXXXX not abuser of credit. | Client 08/21/2025 12:41 PM; Please confirm grade of finding. XXX XXXX XXXX please clear. XXXX you. <br>Reviewer 08/21/2025 02:44 PM; Condition has been reviewed. XXX<br>|  |  | 08/21/2025 B | 2 | XXXX | ID | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1677638 | XXXX | XXXX | 7160797 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXXX calculation sheet missing from the file | Received but not accurate to XXX approval and XXXX |  | Reviewer 09/12/2025 08:15 AM; \*\*\*\*Return file to the XXX for review\*\*\*\*\*<br>Reviewer 09/15/2025 01:06 PM; Needed for XXXXX and/or years of income used<br>Reviewer 09/29/2025 04:52 PM; Received income calculation worksheet for XXXXX XXXX not receive income for XXXXX as requested.<br>| 09/30/2025 |  | A | 1 | XXXX | ME | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1679424 | XXXXX | XXXXX | 7175733 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX guidelines to be eligible for a cash out refinance, the subject property must be taken off the market before the XXXXX note date. XXXX appraisal noted the subject property was listed for sale, but not in the XXXX XXXX evidence subject property listing was taken off the market and the reason for the listing. | Public records indicate the subject's most recent transfer occurred on XXXX which was not listed in XXXXX XXXXX was the original purchase transaction by borrower itself and same is confirmed with vesting mentioned in title. XXXX says "property offered for sale or has it been offered for sale in the twelve months" is considering the above-mentioned transaction (original purchase transaction on XXXXX |  | Client 09/16/2025 04:59 AM; Public records indicate the subject's most recent transfer occurred on XXXX which was not listed in XXXXX XXXXX was the original purchase transaction by borrower itself and same is confirmed with vesting mentioned in title. XXXX says "property offered for sale or has it been offered for sale in the twelve months" is considering the above-mentioned transaction (original purchase transaction transaction on XXXXX<br>Reviewer 09/16/2025 07:33 AM; <br>Reviewer 09/16/2025 02:42 PM; Credit to review<br>| 09/16/2025 |  | A | 1 | XXXX | DE | 1 | 13 C A | A | A |  | Exempt | 1 |
| 1679489 | XXXX | XXXX | 7213472 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXXX guidelines, all jobs must have a XXXXX completed within XXX business days of the note date. XXXXX in file for job XXXXX | Received XXX day XXXX |  | Reviewer 09/26/2025 01:15 PM; VVOE for XXXXX XXXXX XXXX <br>| 09/29/2025 |  | A | 1 | XXXX | VA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1681105 | XXXXX | XXXXX | 7217814 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX XXXX XXXX calculated XXXX XXXX XXXX of installment loan paid at closing. XXX proof of payment in full or less than XXX months included in file. XXXX of XXXX left out of XXXX calculation. XXXX XXXX calculation XXXXX | LOE & explanation loan paid down @ closing under XXXXX so did not count payment. |  | Client 09/18/2025 10:26 AM; Please see loe & explanation loan paid down @ closing under XXXXX so did not count payment. XXXXX so much.<br>Reviewer 09/18/2025 11:46 AM; Condition has been reviewed. XXX<br>| 09/18/2025 |  | A | 1 | XXXX | IL | 1 | 1 C A | A | A |  | Exempt | 1 |
| 1676174 | XXXXX | XXXXX | 7160008 | 970 | XXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | XXXXX provide the XXX XXXXX signed at consummation. | Information provided |  | Reviewer 07/24/2025 12:49 PM; Escalated for review<br>| 07/24/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | A |  | Exempt | 1 |
| 1677530 | XXXX | XXXX | 7160652 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | the XXXXX under XXXX a as a XXXXX XXXX XXXX since XXXXX XXX documentation in the file supports working there. | Received all XXXX |  | Reviewer 09/19/2025 11:10 AM; Provide XXXXX for XXXX XXXXX XXXXX XXXX and XXXXX XXXX that reflect borrower is an independent contractor receiving XXXXX income<br>| 09/29/2025 |  | A | 1 | XXXX | ID | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1677638 | XXXX | XXXX | 7160798 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXXX is missing from the file | XXXX has been provided |  | Reviewer 09/12/2025 08:16 AM; \*\*\*\*Return file to XXX for review\*\*\*\*<br>Reviewer 09/18/2025 09:15 AM; XXXX XXXXX be reviewed upon receipt of income documentation<br>| 09/30/2025 |  | A | 1 | XXXX | ME | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1677999 | XXXXX | XXXXX | 7161119 | 1013 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | XXXX the income calculation worksheet for both borrowers. | Income work sheet provided. |  | Client 09/17/2025 08:41 AM; See income calc's uploaded. XXXX you. <br>Reviewer 09/17/2025 09:18 AM; Condition has been reviewed. XXX<br>| 09/17/2025 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A |  | Exempt | 1 |
| 1679419 | XXXXX | XXXXX | 7175726 | 920 | XXXX | Compliance | Compliance |  | Compliance - TRID-Missing Final CD |  | XXXXX provide final XXX XXXXX signed by the borrower at consummation. | Information provided |  | Reviewer 09/12/2025 01:22 PM; Escalated review<br>| 09/17/2025 |  | A | 1 | XXXX | FL | 2 | 1 D B | C | A |  | Exempt | 1 |
| 1679481 | XXXX | XXXX | 7176639 | 317 | XXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXXXX signed XXXXX XXXXX from sale of previous residence to show proceeds of XXXXX or greater. | CD provided reflects proceeds of XXXX |  | Reviewer 10/14/2025 04:49 PM; Documents received did not include the XXX for prior home<br>| 10/16/2025 |  | A | 1 | XXXX | MO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679489 | XXXX | XXXX | 7213470 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXX per XXXXX guidelines, the maximum program XXXX is XXXX XXXXX exceeds it due to XXX income miscalculations. | National XXXX XXXXX XXXXX XXXX XXXXXXX XXXX depletion XXXXX + XXXXX XXXX XXXX XXXX |  | Client 09/25/2025 05:30 PM; File XXXX showing as XXXXX XXXXX provide additional details regarding this XXX income miscalculation so we can properly review the file. XXXXX XXX XXXX from file to show our own calculations. XXXX you. <br>Reviewer 09/26/2025 01:30 PM; Condition has been reviewed XXX<br>| 09/26/2025 |  | A | 1 | XXXX | VA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1679558 | XXXX | XXXX | 7176782 | 321 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | XXXXX approved a credit exception based on the borrower having one trade based on a XXX year history. XXXXX trade is not allowed to be used as an eligible trade as the XXXXX is only an authorized user. |  | Exception approval received for using one tradeline that is authorized user. XXXXX XXXXX XXXX for a XXXX score is up to XXXX XXXXX XXXX is XXXX XXX reserves are required. XXXXX has XXXX mo reserves. XXXXX income minimum is XXXXX and the XXXXX has XXXXX in residual income. | Reviewer 10/17/2025 06:52 AM; Documents received did not address any of the deficiencies<br>|  |  | 10/20/2025 B | 2 | XXXX | CA | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1679561 | XXXX | XXXX | 7176791 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX required at least two open tradelines, borrower has one. | Credit report in file pulled on XXXX shows two open lines. |  | Client 10/10/2025 03:56 PM; Credit report in file pulled on XXXX shows two open lines. XXXX you. <br>Reviewer 10/13/2025 05:10 AM; Condition has been reviewed. XXX<br>| 10/13/2025 |  | A | 1 | XXXX | VA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1679922 | XXXX | XXXX | 7186283 | 862 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXXX provide updated XXXXX of XXXX that reflects the correct county per legal description. XXXXX XXXX | Information provided |  | Reviewer 10/16/2025 08:01 PM; Please include a XXXX to re-record.<br>| 10/28/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1680001 | XXXX | XXXX | 7187568 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX award letter for both borrowers. | The file was approved file off the actual deposits monthly for the fixed income. |  | Client 10/28/2025 03:57 PM; awards letter were waived because we approved file based off the actual deposits monthly for the fixed income. XXXX you. <br>Reviewer 10/29/2025 05:53 AM; Condition has been reviewed. XXX<br>| 10/29/2025 |  | A | 1 | XXXX | NM | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1680888 | XXXX | XXXX | 7214813 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX insured amount must be equal or greater than the loan amount of XXXXX | Title treated this like XX loans. XXXX for the XXXX and one for parking. XXXX are XX prelims in the file. XXXX = XXXX XXXX = XXXXX XXXX XXXX amount is XXXXX |  | Client 10/21/2025 12:45 PM; Title treated this like XX loans. XXXX for the XXXX and one for parking. XXXX are XX prelims in the file. <br>XXXX = XXXXX<br> XXXX = XXXX<br>XXXX XXXX amount is XXXXX<br>Reviewer 10/21/2025 01:50 PM; Condition has been reviewed. XXX<br>| 10/21/2025 |  | A | 1 | XXXX | HI | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1680914 | XXXX | XXXX | 7214867 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approved use of transferred appraisal. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has owned property since XXXXX XXXX is higher than market rents used to qualify with XXXX XXXXX XXXXX XXXX mtg payment history XXXXX XXXX reserves of XXXXX over XXXX required. |  |  |  | 10/28/2025 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681107 | XXXXX | XXXXX | 7217818 | 441 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing Business Tax Returns |  | XXXX XXXXX XXXXX XXXX XXXX for all businesses in which the borrower owns a XXXX or greater interest in as required per guidelines. | XXXXX does not have/own XXXX or more ownership in any of his businesses |  | Client 09/19/2025 12:59 PM; Good afternoon XXXXX XXXXX note XXXXX does not have/own XXXX or more ownership in any of his businesses he is a part of thank you so much. <br>Reviewer 09/19/2025 01:52 PM; Condition has been reviewed. XXX<br>| 09/19/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Exempt | 1 |
| 1679470 | XXXX | XXXX | 7176616 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX the XXXX XXXX XXXXX for the XXXXX loan for property at XXXXX XXXX XXXXX XXXX XXX XXXX with proceeds of XXXX XXXXX submit | Received |  | Reviewer 09/30/2025 04:47 PM; Please return to the original XXX upon receipt of XXXX XXXXX loan XXXX<br>Reviewer 10/01/2025 09:20 AM; Documents provided did not include the XXXXX loan XX<br>Reviewer 10/01/2025 03:55 PM; Document received. XXXXX returned to XXXXX XXX for review.<br>| 10/02/2025 |  | A | 1 | XXXX | HI | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1680872 | XXXX | XXXX | 7214781 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX management approval required for stacked XXXX XXXX XXXX XXXX XXXX for XXXX with XXXX XXXX |  | Client XXXXX with comp factors: base XXXX XXXXX borrower has XXXX mtg history with no lates. XXXX using rental income to qualify, XXXX XXXX XXXXX under max allowed of XXXXX | Client 10/30/2025 12:07 PM; Guidelines are based on unstacked loan amount. XXXXX is within guidelines. XXXX you. <br>Reviewer 10/30/2025 12:20 PM; Condition has been reviewed. XXX<br>|  |  | 10/30/2025 B | 2 | XXXX | AL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680891 | XXXX | XXXX | 7214821 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXXX guidelines, XXX is to use the lower of the rental amounts. XXXX appraisal shows XXXXX a month. XXX used the XXXXX data. |  | Client XXXXX with XXXXX XXXX months reserves are required, borrower has XXXXX months. XXXX XXXX is XXXX XXXXX XXXX is XXXX XXXX score is XXXX XXXXX has a XXXX score. | Reviewer 10/21/2025 04:03 PM; Air XXXX data shows XXXX<br>|  |  | 10/21/2025 B | 2 | XXXX | FL | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1680920 | XXXX | XXXX | 7219567 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX is failing XXX tolerance for an XXXXX fee added to XXXX XX of the XXXX XXX without a valid explanation. XXXX amount is XXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund,and evidence of payment shipped, all within XXX days of consummation XXXXX | COC provided |  | Client 11/04/2025 12:34 PM; Disclosure tracking provided showing XXXX directly addressing fee. XXXX you. <br>Reviewer 11/04/2025 12:35 PM; <br>Reviewer 11/05/2025 01:29 PM; Hello <br> XXXXX has been cleared. <br> XXXX<br>| 11/05/2025 |  | A | 1 | XXXX | AR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1681083 | XXXX | XXXX | 7244033 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXX XXXX XXXX in file is not signed. | Information provided |  | Reviewer 10/28/2025 03:34 PM; Operating agreement uploaded is not signed, please provide signed copy<br>| 11/10/2025 |  | A | 1 | XXXX | TN | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1680914 | XXXX | XXXX | 7214869 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX for XXXX XXXXX with XXXXX XXXXX stacked XXXX XXXX requires XXX XXXXX approval. |  | COMPENSATING XXXXX XXXXX XXXXX with XXXXX XXXXX XXXXX has owned property since XXXXX XXXX is higher than market rents used to qualify with XXXX XXXXX XXXXX XXXX mtg payment history XXXXX XXXX reserves of XXXXX over XXXX required. | Client 10/28/2025 03:37 PM; Hi, stacking does not require senior management approval. XXXX<br>Reviewer 10/29/2025 12:33 PM; Condition has been reviewed. XXX<br>|  |  | 10/29/2025 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1677530 | XXXX | XXXX | 7160649 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXX is not a XXXXX XXXXX XXXX in the file. XXXXX license is from XXXXX XXXX supporting current self employment. | Received XXXX from XXXXX |  | Reviewer 09/19/2025 11:10 AM; Provide current active license for XXXX XXXX<br>| 09/23/2025 |  | A | 1 | XXXX | ID | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1678028 | XXXX | XXXX | 7161585 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX subordination agreement for the second mortgage listed on the borrower's loan application section XXX in the amount of XXXXX | There is no XXXX mortgage. XXXXX report is showing XX XXXXX XXXXX accounts. XXXX was the initial loan/note amount, construction loan, then modified to XXXX XXXXX was then paid off. |  | Reviewer 09/23/2025 10:33 AM; there is a secured line of credit on the credit report with XXXXX XXXXX with balance of XXXX and payment of XXXX XXXX documentation and include in the debt on XXXXX and XXXX<br>| 09/23/2025 |  | A | 1 | XXXX | NM | 1 | 3 C A | A | A |  | Non-QM | 1 |
| 1678241 | XXXX | XXXX | 7162240 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is XXXX per guidelines, over XXX acres, zoned XXXXX XXXXX with XXXXX acres, max XXXX XXXXX ltv stacked XXXX requires XXX management approval. |  | Exception approval received for property over XXX acres. XXXXX XXXXX XXXX credit no derogs, XXXX mtg pmt history XXXXX XXXXX XXXX over min req XXXXX XXXXX XXXX XXXX time XXXX over XXXXX | Reviewer 10/06/2025 08:28 AM; Did not receive the exception approval. XXXXX received was the XX<br>|  |  | 10/07/2025 B | 2 | XXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1679502 | XXXX | XXXX | 7213478 | 337 | XXXX | Credit | UW Other |  | UW Other - UW - HUD-1 to evidence payment of debts |  | XXXXX is missing the XXXXX XXXXX XXXXX the document comes in please return to underwriting. | Information provided |  | Reviewer 10/07/2025 10:50 AM; Document received. XXXXX returned to XXXXX XXX for review<br>Reviewer 10/07/2025 02:08 PM; Document received added to file. <br>| 10/07/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1680829 | XXXX | XXXX | 7214257 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX borrower must have owned subject property for a minimum of XX months for a cash out refinance. XXXXX has owned property XX months as they purchased property XXXX |  | Exception approval received for ownership less than XX months. XXXXX XXXXX XXXX mortgage paid XXXXX XXXX of XXXX when maximum XXXX is XXXX score of XXXX when minimum required is XXXX | Reviewer 09/13/2025 11:07 AM; Document received was the XXXXX XXXXX and did not verify XX months ownership<br>|  |  | 09/22/2025 B | 2 | XXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680866 | XXXX | XXXX | 7214772 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX XXXX for XXXXX with XXXXX ratio > XXXXX and < XXXX is XXXX XXXX XXXX XXXX with XXXXX stacked points. |  | Client XXXXX with XXXXX XXXXX XXXXX base, borrower in primary residence XXX years, XXXX XXXX XXXXX credit depth dating back to XXXXX showing no late payment | Client 10/28/2025 10:48 AM; DSCR is greater than XXXX XXXXX is within guidelines. XXXX you. <br>Reviewer 10/28/2025 11:14 AM; Condition has been reviewed. XXX<br>|  |  | 10/28/2025 B | 2 | XXXX | MD | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680872 | XXXX | XXXX | 7214778 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX for XXXXX XXXXX program pg XXXX XXXXX XXXXX XXXXX out must be for a business, commercial or agricultural purpose. XXXXX states "the reason for the cash out is debt consolidation. XXX pay off debt and consolidate everything down to one payment." XXXX management approval for XXXXX XXXXX XXXXX XXXX not being used as guideline states. |  | Exception approval received for debt consolidation cash out. XXXXX XXXX - XXXXX has XXXX mtg history with no lates. XXXX using rental income to qualify, XXXX XXXX XXXXX under max allowed of XXXXX | Client 10/30/2025 06:35 PM; Hi, we are allowed to do a cashout on an investment property if XXXXX has been followed to qualify as a consumer loan. XXXX<br>Reviewer 10/31/2025 06:03 AM; Condition has been reviewed. XXX<br>|  |  | 10/30/2025 B | 2 | XXXX | AL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1680887 | XXXX | XXXX | 7214812 | 1006 | XXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | XXX XXXXX is in the file. XXXXX be for XXXXX | Revised loan approval provided |  | Client 10/21/2025 10:59 AM; Updated XXXXX approval in file. XXXXX has been used to clear XXXXX findings in the past. XXXXX clear. XXXX you. <br>Reviewer 10/21/2025 11:31 AM; Condition has been reviewed. XXX<br>| 10/21/2025 |  | A | 1 | XXXX | NV | 1 | 1 D A | B | A |  | Safe Harbor QM (APOR) | 1 |
| 1681010 | XXXX | XXXX | 7215055 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXXX for the XXXX XXXXX XXXX XXXX reflect the XXXX XXXXX for a XXXX XXXXX is XXXX XXXX subject loan closed at XXXXX XXXX |  | Client XXXXX with XXXXX XXXXX XXXXX XXXX XXXX borrower has excellent mtg pmt history with no lates, excellent credit no derogs, XXXXX XXXX over required XXXXX of XXXX XXXX reserves XXXXX over required XX mo reserves | Client 11/07/2025 03:53 PM; Guidelines based on unstacked loan amount. XXXX loan amount is within guidelines. XXXX you. <br>Reviewer 11/07/2025 04:33 PM; Condition has been reviewed. XXX<br>|  |  | 11/07/2025 B | 2 | XXXX | CO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1678072 | XXXX | XXXX | 7161679 | 381 | XXXX | Credit | UW Other |  | UW Other - UW - Updated Review required |  | XXXX XXXXX XXXXX required reflecting correct program of XXXXX XXXX XX XXXX XXXX fixed, correct XXXX based on XXXXX XXXX of XXXXX and XXXX of XXXX per XXXX financing quidelines. XXXXX to reflect exception approvals as indicated on additional deficiencies set for XXXX management approval on use of business funds/assets, and XXXXX for non warrantable condo as stated in additional deficiency. |  | Received exception approval for XXXX of XXXX and use of business funds and non warrantable condo. XXXXX XXXX - credit depth XXX years, score XXX | Reviewer 09/26/2025 10:17 AM; LTV of XXXX was not listed on the approval received.<br>|  |  | 09/30/2025 B | 2 | XXXX | OR | 1 | 13 C B | A | A |  | Non-QM | 1 |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 3**

![](evolve-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 11/21/2025 8:56:39 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1681035 | XXXXX | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676174 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679412 | XXXXX | XXXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Clear Capital | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| 1679413 | XXXXX | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1677999 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1681105 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1681106 | XXXXX | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1681107 | XXXXX | XXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1679418 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1679419 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1679420 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1681108 | XXXXX | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1679422 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1679424 | XXXXX | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1679425 | XXXXX | XXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXXX | XXXXX | 1.54% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1679428 | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1678631 | XXXXX | XXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1680817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1357578 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Pro Teck | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429693 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Consolidated Analytics | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Consolidated Analytics | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679445 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1677530 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678019 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680105 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXXX | XXXX | 10.87% | XXXX | 71A |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679452 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678028 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679455 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678030 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679459 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679460 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679461 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680820 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679464 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680829 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Stewart | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679476 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1677638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1679479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680107 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676353 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679487 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680836 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679492 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679497 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679498 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678072 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679500 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679504 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679506 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Consolidated Analytics | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680193 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679507 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679516 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | -0.59% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680844 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.89% | Vision VMC LLC | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679520 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679522 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1679524 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1680847 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1678241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680851 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1679531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1679533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679536 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680856 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679539 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680863 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680866 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680867 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Stewart | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680872 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680879 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 6.82% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679549 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680880 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679550 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680883 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680885 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1680891 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.96% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680901 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679561 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680910 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680914 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680916 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680933 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1679901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680937 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680943 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.94% | Vision VMC LLC | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680947 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681084 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681087 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680960 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680966 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680974 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.99% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680987 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680988 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681006 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680753 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681101 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681028 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681029 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681031 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 4**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 11/21/2025 8:56:39 AM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1681035 | XXXXX | XXXXX | First Payment Date | XXXX | XXXX | Verified |
| 1681035 | XXXXX | XXXXX | Maturity Date | XXXX | XXXX | Verified |
| 1681035 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1681035 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1681035 | XXXXX | XXXXX | QM Status |  | Exempt | verified |
| 1681035 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1676174 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1676174 | XXXXX | XXXXX | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified |
| 1676174 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1676174 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1679412 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679412 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679412 | XXXXX | XXXXX | Qualifying DTI | 40.19300 | 0.43835 | Verified |
| 1679412 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1679413 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679413 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679413 | XXXXX | XXXXX | Qualifying DTI | 34.38200 | 0.36937 | Verified |
| 1677999 | XXXXX | XXXXX | First Payment Date | XXXX | XXXX | Verified |
| 1677999 | XXXXX | XXXXX | Maturity Date | XXXX | XXXX | Verified |
| 1677999 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1677999 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1677999 | XXXXX | XXXXX | Qualifying DTI | 33.18100 | 0.33181 | Verified |
| 1677999 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1681105 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1681105 | XXXXX | XXXXX | QM Status |  | Exempt | verified |
| 1681105 | XXXXX | XXXXX | Qualifying DTI | 44.67400 | 0.44674 | Verified |
| 1681106 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1681106 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1681106 | XXXXX | XXXXX | Qualifying DTI | 30.67100 | 0.30671 | Verified |
| 1681107 | XXXXX | XXXXX | First Payment Date | XXXX | XXXX | Verified |
| 1681107 | XXXXX | XXXXX | Maturity Date | XXXX | XXXX | Verified |
| 1681107 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1681107 | XXXXX | XXXXX | QM Status |  | Exempt | verified |
| 1681107 | XXXXX | XXXXX | Qualifying DTI | 42.39100 | 0.44168 | Verified |
| 1681107 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1679418 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679418 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679418 | XXXXX | XXXXX | Qualifying DTI | 49.49700 | 0.49497 | Verified |
| 1679419 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679419 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679419 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1679420 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679420 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679420 | XXXXX | XXXXX | Qualifying DTI | 43.36900 | 0.45496 | Verified |
| 1681108 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1681108 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1681108 | XXXXX | XXXXX | Qualifying DTI | 47.75300 | 0.52325 | Verified |
| 1679422 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679422 | XXXXX | XXXXX | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified |
| 1679422 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679422 | XXXXX | XXXXX | Qualifying DTI | 31.52100 | 0.31647 | Verified |
| 1679422 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1679424 | XXXXX | XXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1679424 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679424 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679424 | XXXXX | XXXXX | Original LTV | XXXX | XXXX | Verified |
| 1679424 | XXXXX | XXXXX | Original CLTV | XXXX | XXXX | Verified |
| 1679424 | XXXXX | XXXXX | Qualifying DTI | 49.91200 | 0.49912 | Verified |
| 1679424 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1679425 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679425 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679425 | XXXXX | XXXXX | Qualifying DTI | 39.17400 | 0.39281 | Verified |
| 1679428 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1679428 | XXXXX | XXXXX | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified |
| 1679428 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1679428 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1678631 | XXXXX | XXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1678631 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1678631 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1678631 | XXXXX | XXXXX | Qualifying DTI | 27.73500 | 0.27735 | Verified |
| 1678631 | XXXXX | XXXXX | PITI | XXXXX | XXXXX | Verified |
| 1680817 | XXXX | XXXX | Qualifying DTI | 0.34679 |  | Verified |
| 1680817 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1680817 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1357578 | XXXX | XXXX | QM Status | QM | Non-QM | Verified |
| 1357578 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1432753 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1678012 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1678638 | XXXX | XXXX | Property Type | Attached | PUD-Detached | Verified |
| 1678638 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679445 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1677530 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1677530 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1678019 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1678019 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1680105 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1680105 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680105 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1680105 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680105 | XXXX | XXXX | PITI | XXXXX | XXXXX | Verified |
| 1678025 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1678025 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1678028 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1678028 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1678028 | XXXX | XXXX | PITI | XXXXX | XXXXX | Verified |
| 1678030 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679459 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1678033 | XXXX | XXXX | Qualifying DTI | 0.44313 | 0.44540 | Verified |
| 1678033 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1678033 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1678033 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679460 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679461 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1679461 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1680820 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1679464 | XXXX | XXXX | Qualifying DTI | 0.38923 | 0.43673 | Verified |
| 1679464 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1679464 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1678039 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679465 | XXXX | XXXX | Qualifying DTI | 0.47309 | 0.48576 | Verified |
| 1679465 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679471 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680829 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1680829 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1679476 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679476 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1677638 | XXXX | XXXX | Qualifying DTI | 0.44529 | 0.40724 | Verified |
| 1677638 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1677638 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679479 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1679479 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679481 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679481 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680107 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1680107 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680107 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676353 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1679487 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1679487 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1679489 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1678068 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1680836 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680836 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1679493 | XXXX | XXXX | Qualifying DTI | 0.25092 | 0.45489 | Verified |
| 1679493 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1679495 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679496 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1679496 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1679498 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1678072 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1678072 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1678072 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1679499 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679499 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679500 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1679500 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679503 | XXXX | XXXX | Qualifying DTI | 0.43514 | 0.43722 | Verified |
| 1679504 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679504 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1678075 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1678075 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679506 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679507 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679511 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679515 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1679515 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679516 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1679516 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680844 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680844 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1679519 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679520 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679522 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679524 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1679524 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679524 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680846 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680846 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679526 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1679526 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1680847 | XXXX | XXXX | DSCR | 0.759 | 0.910 | Verified |
| 1680847 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680847 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1678241 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1678241 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680849 | XXXX | XXXX | DSCR | 1.353 |  | Verified |
| 1680849 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1680849 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1681083 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681083 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680850 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680850 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680851 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680851 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680851 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680855 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679536 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680856 | XXXX | XXXX | DSCR | 0.677 |  | Verified |
| 1679831 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1679831 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679932 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679932 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679539 | XXXX | XXXX | Qualifying DTI | 0.42324 | 0.28563 | Verified |
| 1679539 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680863 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680863 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1679922 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680866 | XXXX | XXXX | DSCR | 1.058 | 0.840 | Verified |
| 1680866 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680866 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680867 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680867 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1679543 | XXXX | XXXX | Qualifying DTI | 0.39948 | 0.29948 | Verified |
| 1679543 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679543 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680872 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1680872 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1678719 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1678719 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1678719 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680879 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679549 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680880 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1680880 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680880 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680880 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1679550 | XXXX | XXXX | Qualifying DTI | 0.49549 | 0.49281 | Verified |
| 1679550 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680883 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680885 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680885 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680887 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680887 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1680888 | XXXX | XXXX | DSCR | 1.292 | 1.230 | Verified |
| 1680888 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1680888 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680888 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680889 | XXXX | XXXX | DSCR | 0.884 |  | Verified |
| 1680891 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680891 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1679557 | XXXX | XXXX | DSCR | 0.645 |  | Verified |
| 1679557 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1680901 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680901 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680902 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680903 | XXXX | XXXX | Qualifying DTI | 0.46859 | 0.48109 | Verified |
| 1680903 | XXXX | XXXX | Property Type | PUD | Single Family | Verified |
| 1680903 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679561 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1679561 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680908 | XXXX | XXXX | Qualifying DTI | 0.48583 | 0.46696 | Verified |
| 1680908 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680908 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680910 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680914 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1680914 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680914 | XXXX | XXXX | Property Zip | XXXX | XXXXX | verified |
| 1680916 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1680916 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680916 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | Verified |
| 1680916 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680920 | XXXX | XXXX | Qualifying DTI | 0.47510 | 0.47776 | Verified |
| 1680920 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680920 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1680924 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680924 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680001 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680001 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1680932 | XXXX | XXXX | DSCR | 0.856 | 0.640 | verified |
| 1680932 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680932 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680933 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680933 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1679901 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1679901 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680937 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1680937 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680937 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680942 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680942 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680942 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680943 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1680943 | XXXX | XXXX | Property City | XXXX | XXXX | Verified |
| 1680943 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1680943 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680947 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | Verified |
| 1680947 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680947 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681084 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1681084 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1681084 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681084 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680949 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680953 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681087 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | Verified |
| 1681087 | XXXX | XXXX | DSCR | 1.386 | 1.420 | Verified |
| 1681087 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1681087 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681087 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680960 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1680960 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680960 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680960 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680961 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1680961 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1680961 | XXXX | XXXX | DSCR | 1.401 | 1.390 | Verified |
| 1680961 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680961 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680961 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680966 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680966 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680971 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680971 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680974 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680974 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680974 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1680975 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680975 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680983 | XXXX | XXXX | DSCR | 1.040 | 1.210 | Verified |
| 1680983 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680983 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680983 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1680984 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680987 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680987 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1680988 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681001 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681001 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681003 | XXXX | XXXX | Qualifying DTI | 0.45296 | 0.49789 | Verified |
| 1681003 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1681003 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681003 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1681005 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1681006 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681006 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681006 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1681010 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1680753 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1680753 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681101 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681101 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681101 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1681027 | XXXX | XXXX | QM Status | Exempt | Non-QM | verified |
| 1681027 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681028 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681028 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681028 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1681029 | XXXX | XXXX | DSCR | 1.234 | 1.360 | Verified |
| 1681029 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681029 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681029 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1681031 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681031 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681031 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1681032 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681032 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 5**

![](evolve-logo.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 11/21/2025 8:56:39 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1681035 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676174 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1679412 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |
| 1679413 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1677999 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Self-Employed | Self-Employed | Foreign National |  | Foreign National |  | No |  |
| 1681105 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Self-Employed | Employed | US Citizen |  | Non Permanent Resident Alien | Other | No |  |
| 1681106 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1681107 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| 1679418 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1679419 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |
| 1679420 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1681108 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $7886.69 |
| 1679422 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1679424 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1679425 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed | Not Required | US Citizen |  | Permanent Resident Alien |  | No |  |
| 1679428 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1678631 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | Yes |  | XX/XX/XXXX | 0.00% | Employed |  | Non Permanent Resident Alien | L-1 Visa |  |  | No |  |
| 1680817 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1357578 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11752.50 | XX/XX/XXXX | 3.942% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1429693 | XXXX | XXXX | QM Rebuttable Presumption | N/A | No | XXXX | No | No | $9236.36 | XX/XX/XXXX | 7.655% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $6134.39 |
| 1432753 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $25710.00 | XX/XX/XXXX | 8.384% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $12765.17 |
| 1678012 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14786.37 | XX/XX/XXXX | 7.918% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $16929.63 |
| 1678638 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12260.16 | XX/XX/XXXX | 7.923% | Self-Employed |  | US Citizen |  |  |  | Yes | $5673.95 |
| 1679445 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.665% | Self-Employed |  | US Citizen |  |  |  | Yes | $34559.86 |
| 1677530 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.868% | Self-Employed |  | US Citizen |  |  |  | Yes | $4540.58 |
| 1678019 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20528.24 | XX/XX/XXXX | 7.942% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $7551.96 |
| 1680105 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1678025 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11662.26 | XX/XX/XXXX | 7.621% | Retired |  | US Citizen |  |  |  | No |  |
| 1679452 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.521% | Self-Employed |  | US Citizen |  |  |  | Yes | $9807.93 |
| 1679453 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16545.00 | XX/XX/XXXX | 7.458% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9793.96 |
| 1679454 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 8.325% | Employed |  | US Citizen |  |  |  | Yes | $6279.07 |
| 1678028 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.577% | Self-Employed |  | US Citizen |  |  |  | Yes | $26923.51 |
| 1679455 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $28576.59 | XX/XX/XXXX | 7.748% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7431.59 |
| 1678030 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21802.40 | XX/XX/XXXX | 7.723% | Self-Employed |  | US Citizen |  |  |  | Yes | $15819.05 |
| 1679459 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.727% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $17414.26 |
| 1678033 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 8.201% | Retired | Self-Employed | US Citizen |  | US Citizen |  | Yes | $3419.26 |
| 1679460 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21024.44 | XX/XX/XXXX | 7.318% | Self-Employed |  | US Citizen |  |  |  | Yes | $22189.08 |
| 1679461 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.663% | Not Required |  | US Citizen |  |  |  | Yes | $13570.42 |
| 1680820 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1679464 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $19704.56 | XX/XX/XXXX | 7.819% | Not Required |  | US Citizen |  |  |  | Yes | $10483.60 |
| 1678039 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6217.19 | XX/XX/XXXX | 8.145% | Employed |  | US Citizen |  |  |  | Yes | $4156.63 |
| 1679465 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $14177.11 | XX/XX/XXXX | 7.08% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9741.21 |
| 1679466 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7962.76 | XX/XX/XXXX | 7.965% | Employed |  | US Citizen |  |  |  | Yes | $5054.98 |
| 1679470 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16674.75 | XX/XX/XXXX | 7.914% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $6924.49 |
| 1679471 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $3047.35 |
| 1680829 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1679476 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.235% | Self-Employed |  | US Citizen |  |  |  | Yes | $8070.15 |
| 1677638 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.787% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $5497.99 |
| 1679479 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5970.00 | XX/XX/XXXX | 7.706% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3225.59 |
| 1679481 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4431.70 |
| 1680107 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1676353 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 8.272% | Employed |  | US Citizen |  |  |  | Yes | $10217.04 |
| 1679487 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.744% | Retired |  | US Citizen |  |  |  | Yes | $63010.89 |
| 1679489 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6693.66 | XX/XX/XXXX | 7.87% | Employed |  | US Citizen |  |  |  | Yes | $3328.79 |
| 1678068 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7645.67 | XX/XX/XXXX | 7.909% | Employed |  | US Citizen |  |  |  | Yes | $3958.91 |
| 1680836 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4888.16 | XX/XX/XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6854.81 |
| 1679492 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $27380.38 | XX/XX/XXXX | 7.722% | Employed |  | US Citizen |  |  |  | Yes | $20828.40 |
| 1679493 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.507% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| 1679494 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7892.88 |
| 1679495 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.263% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11423.93 |
| 1679496 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7501.58 | XX/XX/XXXX | 7.293% | Not Required |  | US Citizen |  |  |  | Yes | $2592.35 |
| 1679497 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $25474.13 | XX/XX/XXXX | 7.141% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7906.44 |
| 1679498 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $25778.47 |
| 1678072 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8345.75 | XX/XX/XXXX | 8.763% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1679499 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11307.17 | XX/XX/XXXX | 7.764% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7002.35 |
| 1679500 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 8.19% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6267.01 |
| 1679502 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.874% | Employed |  | US Citizen |  |  |  | Yes | $4749.72 |
| 1679503 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.204% | Employed |  | US Citizen |  |  |  | Yes | $6484.61 |
| 1679504 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7275.77 | XX/XX/XXXX | 7.818% | Self-Employed |  | US Citizen |  |  |  | Yes | $3517.26 |
| 1678075 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.838% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $5849.26 |
| 1679506 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6355.00 | XX/XX/XXXX | 8.957% | Self-Employed |  | US Citizen |  |  |  | Yes | $2583.35 |
| 1680193 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8217.09 | XX/XX/XXXX | 7.911% | Employed |  | US Citizen |  |  |  | Yes | $2713.89 |
| 1679507 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15033.70 | XX/XX/XXXX | 6.864% | Self-Employed |  | US Citizen |  |  |  | Yes | $6489.18 |
| 1679511 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9200.75 | XX/XX/XXXX | 7.485% | Self-Employed |  | US Citizen |  |  |  | Yes | $5748.75 |
| 1679515 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10018.26 | XX/XX/XXXX | 7.638% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5821.08 |
| 1679516 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.775% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11476.19 |
| 1680844 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1679519 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9168.81 | XX/XX/XXXX | 6.999% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $16234.90 |
| 1679520 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1678079 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11973.90 | XX/XX/XXXX | 8.611% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1679522 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.521% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $13900.02 |
| 1679524 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 8.029% | Self-Employed |  | US Citizen |  |  |  | Yes | $5872.33 |
| 1680846 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4071.23 | XX/XX/XXXX | 8.882% | Self-Employed |  | US Citizen |  |  |  | Yes | $3573.32 |
| 1679526 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.128% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $9916.62 |
| 1680847 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1678241 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No |  | XX/XX/XXXX | 8.036% | Self-Employed |  | US Citizen |  |  |  | Yes | $7082.21 |
| 1680849 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $8451.92 |
| 1681083 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680850 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680851 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1679531 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.278% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $7610.32 |
| 1679533 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12973.96 | XX/XX/XXXX | 7.381% | Employed |  | US Citizen |  |  |  | Yes | $5537.89 |
| 1680855 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12894.00 | XX/XX/XXXX | 7.675% | Self-Employed |  | US Citizen |  |  |  | Yes | $10759.14 |
| 1679536 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10147.89 | XX/XX/XXXX | 0.00% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $5545.40 |
| 1680856 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $63489.40 |
| 1679538 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.227% | Employed |  | US Citizen |  |  |  | Yes | $6401.24 |
| 1679831 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6831.01 | XX/XX/XXXX | 7.489% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6602.30 |
| 1679932 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7622.83 | XX/XX/XXXX | 6.918% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $3167.51 |
| 1679539 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12251.05 | XX/XX/XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $33307.50 |
| 1680863 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.285% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $4266.83 |
| 1679922 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21804.83 | XX/XX/XXXX | 6.717% | Self-Employed |  | US Citizen |  |  |  | Yes | $7665.40 |
| 1680866 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1680867 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1679543 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.455% | Self-Employed |  | US Citizen |  |  |  | Yes | $12341.73 |
| 1680872 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $3087.94 |
| 1678719 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13711.55 | XX/XX/XXXX | 8.83% | Self-Employed |  | US Citizen |  |  |  | Yes | $8684.79 |
| 1680879 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $35649.29 |
| 1679549 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $23272.33 | XX/XX/XXXX | 7.173% | Self-Employed |  | US Citizen |  |  |  | Yes | $42589.06 |
| 1680880 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1679550 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 6.818% | Self-Employed |  | US Citizen |  |  |  | Yes | $11956.35 |
| 1680883 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.91% | Self-Employed |  | US Citizen |  |  |  | Yes | $5308.75 |
| 1680885 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9850.58 | XX/XX/XXXX | 7.069% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $3900.88 |
| 1680887 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.447% | Not Required | Retired | US Citizen |  | US Citizen |  | Yes | $13004.79 |
| 1680888 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680889 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9617.03 |
| 1680891 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1679557 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8774.98 | XX/XX/XXXX | 0.00% | Employed |  | Foreign National |  |  |  | Yes | $15561.53 |
| 1680901 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680902 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680903 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4351.58 |
| 1679558 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 6.60% | Employed |  | US Citizen |  |  |  | Yes | $3703.10 |
| 1679561 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8168.95 | XX/XX/XXXX | 8.221% | Self-Employed |  | US Citizen |  |  |  | Yes | $2597.79 |
| 1680908 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4557.30 |
| 1680910 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16741.63 | XX/XX/XXXX | 7.238% | Self-Employed |  | US Citizen |  |  |  | Yes | $10347.63 |
| 1680914 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1680916 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1680920 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Not Required |  | US Citizen |  |  |  | Yes | $5116.33 |
| 1680924 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.923% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4052.24 |
| 1680001 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $11355.27 |
| 1680932 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680933 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.681% | Not Required |  | US Citizen |  |  |  | Yes | $13761.28 |
| 1679901 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10638.76 | XX/XX/XXXX | 7.294% | Self-Employed |  | US Citizen |  |  |  | Yes | $2857.61 |
| 1680937 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680942 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.282% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5001.57 |
| 1680943 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1680947 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681084 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680949 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680953 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10748.57 | XX/XX/XXXX | 6.817% | Self-Employed |  | US Citizen |  |  |  | Yes | $34337.57 |
| 1681087 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1680960 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1680961 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1680966 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680971 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680974 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680975 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12184.10 | XX/XX/XXXX | 6.933% | Self-Employed |  | US Citizen |  |  |  | Yes | $6752.28 |
| 1680983 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680984 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680987 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1680988 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $19216.58 | XX/XX/XXXX | 7.024% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $8049.09 |
| 1681001 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681003 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.209% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4046.70 |
| 1681005 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XX/XX/XXXX | 7.176% | Employed |  | Permanent Resident Alien |  |  |  | Yes | $5897.70 |
| 1681006 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681010 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11553.49 | XX/XX/XXXX | 7.479% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680753 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1681101 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681027 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7977.62 | XX/XX/XXXX | 7.473% | Self-Employed |  | US Citizen |  |  |  | Yes | $2829.05 |
| 1681028 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681029 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681031 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681032 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 6**

![](evolve-logo.jpg)

---

| |
|:---|
| **Additional Data** |
| **Run Date - 11/21/2025 8:56:39 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 4 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **Loan Program Date** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** | **ITIN Indicator** | **Condo Warrantable** | **Default Rate Clause** | **Borrower 3 FICO** | **Borrower 4 FICO** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Buydown** | **Buydown Type** | **Buydown Term** |
| 1681035 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3016.29 | $3446.71 | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$3045.29 | 1 |  | X | $3522.00 | $1643.04 | XXXX | TN | $0.00 |  | Annually |  |  |  | 20250328 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.9 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1676174 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $1187.45 | $1708.34 | 7.00% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5887.46 | 1 |  | X | $1555.68 | $1047.00 | XXXX | NV | $304.00 |  | Monthly | 49.885% |  |  | 20250522 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Third Party Verification - 6/2025 29 months;<br> [Borrower - Primary Income - Wages] Paystubs - 5/2025 - 6/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 6/2025 29 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 5/2025 - 6/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $6503.75 |  |  | 10500 |  |  | No |  | N/A | 6.999 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 39 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679412 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $6353.49 | $8266.34 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | Yes | No |  |  |  | XXXX |  | $10623.34 | 1 |  | X | $18627.12 | $2927.04 | XXXX | GA | $1400.04 |  | Annually | 43.835% |  |  | 20250814 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - C-Corp] CPA Letter - 8/2025;<br> [Borrower - Primary Income - C-Corp] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - C-Corp] Telephone Listing / Internet Search / Directory Assistance - 9/2025;<br> [Borrower - Primary Income - C-Corp] Secretary of State (SOS) - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $27207.29 |  |  | 686.44 | 4.2 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679413 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $3791.84 | $4130.32 | 7.00% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9257.44 | 1 |  | X | $3190.80 | $870.96 |  |  |  |  |  | 36.937% |  |  | 20250825 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 08/2025 - 31 months;<br> [Borrower - Primary Income - Wages] Paystubs - 07/25 - 08/25;<br> [Borrower - Primary Income - Wages] Work Number - 08/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $15827.50 |  |  | 0 | 1.2 |  | No |  | N/A | 6.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 96 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1677999 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $2095.49 | $2738.20 | 7.00% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | Yes | Yes |  |  |  | XXXX | XXXX | $5514.01 | 1 |  | X | $3825.00 | $1223.52 | XXXX | FL | $222.00 |  | Monthly | 33.181% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% | 60% |  | [Borrower - Primary Income - Sole Proprietor] CPA Letter - 07/2025;<br> [Co Borrower 1 - Primary Income - Partnership] CPA Letter - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 27000 | 1 |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  |  | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681105 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $2142.57 | $2723.39 | 7.50% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $3809.94 | 1 |  | X | $5683.80 | $1286.04 |  |  |  |  |  | 44.674% |  |  | 20250710 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - C-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 01/2025;<br> [Borrower - Primary Income - S-Corp] Bank Statements - Business - 04/2025 - 6/2025;<br> [Borrower - Primary Income - C-Corp] P&L Statement - 06/2025 - 6 months;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 07/2025;<br> [Borrower - Primary Income - S-Corp] Business License/Validation - 2/2012;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 01/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 06/2025 -7/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024; | [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $6957.43 |  |  | 0 | 1 |  | No |  | N/A | 7.5 | 0 | 2 | 1 | 1 | 0 | 3 | 0 | 0 | 12 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681106 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $1773.71 | $2277.13 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6718.12 | 1 |  | X | $4247.04 | $1794.00 |  |  |  |  |  | 30.671% |  |  | 20250727 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 20% |  | Borrower Prepared | [Borrower - Primary Income - S-Corp] P&L Statement - 01/2025-08/2025;<br> [Borrower - Primary Income - S-Corp] Paystubs - 06/2025-08/2025;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 - 2023;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024;<br> [Borrower - Primary Income - S-Corp] K-1 - 2023; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 280.29 | 1.2 |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 12 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 109 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681107 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $6732.18 | $8008.35 | 7.00% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $17367.26 | 1 |  | X | $9213.00 | $4091.04 | XXXX | FL | $2010.00 |  | Annually | 44.168% |  |  | 20250722 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Retirement] SS Award Letter - 07/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 07/2025;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Business - 2023;<br> [Borrower - Primary Income - Partnership] K-1 - 2023;<br> [Borrower - Primary Income - S-Corp] K-1 - 2023; | [Borrower] Transcripts - 2023;<br> [Borrower] 1040 - 2023;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $22410.00 |  |  | -1265 | 1 |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 125 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679418 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $2644.14 | $3328.73 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3763.66 | 1 |  | X | $3478.08 | $4737.00 |  |  |  |  |  | 49.497% |  |  | 20250604 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 05/2025-08/2025;<br> [Borrower - Primary Income - Wages] VVOE - 08/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $6123.13 |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 1 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679419 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $1920.10 | $2489.99 | 7.13% | Yes | N/A | Self-Employed |  |  |  |  |  |  | Yes | No |  |  |  | XXXX |  | $14584.34 | 1 |  | A | $3060.00 | $2278.68 | XXXX | FL | $125.00 |  | Monthly | 25.837% |  |  | 20250801 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 98% |  |  | [Borrower - Primary Income - S-Corp] CPA Letter - 07/2025;<br> [Borrower - Primary Income - S-Corp] Third Party Verification - 8/2025;<br> [Borrower - Primary Income - S-Corp] Bank Statements - Business - 06/2025 to 7/2025;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $9432.50 |  |  | 19256.25 | 1.1 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679420 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $2561.24 | $3812.25 | 6.63% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7976.00 | 1 |  | X | $12786.24 | $2225.88 |  |  |  |  |  | 45.496% |  |  | 20250801 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 6/2025-07/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 05/2025-07/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] Third Party Verification - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 07/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $10745.00 |  |  | 601000 | 1.2 |  | No |  | N/A | 6.625 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 87 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681108 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $3850.40 | $4806.90 | 7.63% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $7886.69 | 1 |  | X | $8859.96 | $2618.04 |  |  |  |  |  | 52.325% |  |  | 20250616 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 7/2025 - 8/2025;<br> [Borrower - Primary Income - Wages] WVOE - 8/2025 - 18.8 months;<br> [Borrower - Primary Income - Wages] Employer Letter - 8/2025;<br> [Borrower - Primary Income - Wages] VVOE - 8/2025; | [Borrower] Transcripts - 2022;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $9949.00 |  |  | -704.5 | 1 |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 110 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679422 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $1726.69 | $3036.15 | 7.38% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7791.99 | 1 |  | X | $8937.48 | $1256.04 | XXXX | CA | $460.00 | 20250901 | Monthly | 31.647% |  |  | 20250805 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] Paystubs - 06/2025 - 07/2025;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 05/2025 - 07/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2024;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $1595.00 |  |  | 463558.36 | 1 |  | No |  | N/A | 7.375 | 1 | 1 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679424 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $2225.60 | $2576.41 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2748.09 | 1 |  | X | $673.92 | $1062.00 |  |  |  |  |  | 49.912% |  |  | 20250719 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 10% |  |  | [Borrower - Primary Income - Wages] Paystubs - 06/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 08/2025;<br> [Borrower - Primary Income - Partnership] K-1 - 2024;<br> [Borrower - Primary Income - Partnership] K-1 - 2023;<br> [Borrower - Primary Income - Partnership] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - No Results Returned - 2024; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $11451.26 |  |  | -376.33 | 1 |  | No |  | N/A | 7.25 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 120 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679425 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $19890.54 | $25191.87 | 7.00% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $47656.38 | 1 |  | X | $57500.04 | $6115.92 |  |  |  |  |  | 39.281% |  |  | 20250808 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Borrower - Primary Income - S-Corp] W-2 Transcript - No Results Returned - 2024; | [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $40465.00 |  |  | 1553950 | 3.7 |  | No |  | N/A | 6.999 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679428 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $1484.99 | $1971.10 | 8.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7541.68 | 1 |  | X | $1533.36 | $651.96 | XXXX | NV | $304.00 |  | Monthly | 23.927% |  |  | 20250711 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 06/2025-07/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 08/2025;<br> [Borrower - Primary Income - Wages] Work Number - 8/2025;<br> [Borrower - Primary Income - Wages] WVOE - 8/2025 - 32 months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 8.125 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 64 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678631 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | XX/XX/XXXX | 0.00% | $8623.60 | $11538.96 | 7.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $39200.55 | 1 |  | X | $20000.04 | $6776.28 | XXXX | FL | $684.00 |  | Monthly | 27.735% |  |  | 20250710 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024 ;<br> [Borrower - Primary Income - Wages] Paystubs - 06/2025-8/2025 ; | [Borrower] Transcripts - 2024;<br> [Borrower] 1040 - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $17595.00 |  |  | -1600 | 1 |  | No |  | N/A | 7.125 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680817 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1125.59 | $2489.63 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3582.12 | $1171.08 | XXXX | SC | $967.94 |  | Monthly |  |  |  | 20250926 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.29 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 67 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1357578 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11752.50 | $12366.73 | XX/XX/XXXX | 3.942% | $2477.67 | $3356.29 | 3.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6956.37 | 1 |  | X | $8463.84 | $1719.60 | XXXX | CA | $30.00 |  | Monthly | 35.587% |  | 35.587% | 20211130 | 821 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2020;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2021-11/2021;<br> [Borrower - Primary Income - Bank Statements] WVOE - 12/2021;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 12/2021; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $11752.50 |  |  | 0 |  |  | No |  | N/A | 3.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5728 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1429693 | XXXX | XXXX | QM Rebuttable Presumption | XXXX | Yes | No | $9236.36 | $15461.61 | XX/XX/XXXX | 7.655% | $2769.64 | $4297.34 | 7.25% | No | No | Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $6134.39 | 1 |  | X | $8266.32 | $8966.04 | XXXX | CA | $91.67 |  | Monthly | 41.42% | 41.42 |  | 20220610 | 578 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 5/2022;<br> [Borrower - Primary Income - Wages] WVOE - 6/2022;<br> [Borrower - Primary Income - Wages] VVOE - 7/2022;<br> [Borrower - Primary Income - Wages] W-2 - 2021;<br> [Borrower - Primary Income - Wages] W-2 - 2020; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $9236.36 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1432753 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $25710.00 | $26805.69 | XX/XX/XXXX | 8.384% | $4190.90 | $5845.95 | 7.88% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $12765.17 | 1 |  | X | $17327.52 | $1333.08 | XXXX | TX | $1200.00 |  | Annually | 39.416% |  | 39.416% | 20220623 | 636 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 35% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] VVOE - 7/2022;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2020-6/2022;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 7/2020-6/2022; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $25710.00 |  |  | -9.78 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678012 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14786.37 | $17909.77 | XX/XX/XXXX | 7.918% | $4616.85 | $5112.52 | 7.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $16929.63 | 1 |  | X | $4098.96 | $889.08 | XXXX | AZ | $80.00 | 20251001 | Monthly | 37.896% |  | 37.896% | 20250911 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025- 12 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 04/2023;<br> [Co Borrower 1 - Non-Primary Income - Bank Statements] Business License/Validation - 04/2023; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $14786.37 |  |  | 74371 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 153 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678638 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12260.16 | $15038.70 | XX/XX/XXXX | 7.923% | $2629.40 | $2912.10 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5673.95 | 1 |  | X | $2313.12 | $479.28 | XXXX | ID | $600.00 |  | Annually | 42.861% |  | 42.861% | 20250821 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 3/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 6/2025;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 4/2025;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 7/2025-8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $12260.16 |  |  | 20000 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679445 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19703.93 | $22559.24 | XX/XX/XXXX | 7.665% | $5745.86 | $6556.44 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $34559.86 | 1 |  | X | $6971.88 | $1555.08 | XXXX | NV | $100.00 |  | Monthly | 17.471% |  | 17.471% | 20250808 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2023 - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 4/2018; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | -142.8 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 8298 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1677530 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7947.00 | $9032.17 | XX/XX/XXXX | 7.868% | $2108.83 | $2482.26 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4540.58 | 1 |  | X | $1898.16 | $903.00 | XXXX | ID | $140.00 | 20250801 | Monthly | 38.797% |  | 38.797% | 20250605 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 07/2024-06/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 06/2024-05/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 03/2011;<br> [Borrower - Primary Income - Bank Statements] VVOE - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678019 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $20528.24 | $22961.88 | XX/XX/XXXX | 7.942% | $3894.79 | $4499.32 | 7.50% | No | No | Self-Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $7551.96 | 1 |  | X | $3731.28 | $3523.08 |  |  |  |  |  | 38.874% |  | 38.874% | 20250805 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 06/2025-07/2025 -2 months;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 06/2025-07/2025-2 months;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 08/2025;<br> [Co Borrower 1 - Primary Income - Retirement] 1099 - 2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $20528.24 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion | 2394 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing | No |  |  |  |  | 88 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680105 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $10230.21 | $13876.03 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 5 |  | AE | $31215.48 | $12534.36 |  |  |  |  |  |  |  |  | 20250730 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.13 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 43223 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678025 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11662.26 | $13190.44 | XX/XX/XXXX | 7.621% | $2565.43 | $3536.26 | 7.25% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $5602.80 | 1 |  | X | $6933.96 | $0.00 | XXXX | MA | $393.00 |  | Monthly | 48.908% |  | 48.908% | 20250730 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 5/6/2025-8/5/2025-3 months;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 7/19/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $11662.26 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 255 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679452 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19437.72 | $21329.71 | XX/XX/XXXX | 7.521% | $2962.96 | $3674.28 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9807.93 | 1 |  | X | $6269.76 | $2266.08 |  |  |  |  |  | 34.383% |  | 34.383% | 20250903 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] 1099 - 2023;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 05/2005;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 09/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Other - 09/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-06/2025-6 months; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2951 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679453 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16545.00 | $17194.16 | XX/XX/XXXX | 7.458% | $1686.36 | $2943.95 | 6.75% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9793.96 | 1 |  | AE | $3763.20 | $1475.88 | XXXX | FL | $821.00 | 20251001 | Monthly | 37.559% |  | 37.559% | 20250715 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 8/2025;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 09/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $16545.00 |  |  | 2450 |  |  | No |  | N/A | 6.75 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 54 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679454 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8052.23 | $10913.53 | XX/XX/XXXX | 8.325% | $1269.50 | $2121.50 | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6279.07 | 1 |  | X | $6525.96 | $626.04 | XXXX | IL | $256.00 | 20251001 | Monthly | 33.525% |  | 33.525% | 20250805 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025-08/2025- 2 months;<br> [Borrower - Primary Income - Wages] WVOE - 07/2025-22 months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 13123.92 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Full | 1653 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 22 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678028 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23399.90 | $28398.79 | XX/XX/XXXX | 7.577% | $10049.32 | $11966.32 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $26923.51 | 1 |  | X | $16722.00 | $4081.92 | XXXX | NM | $2200.08 |  | Annually | 47.665% |  | 47.665% | 20250731 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95% | 55% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 6/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025 - 144 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 3/2013;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 14230 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679455 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $28576.59 | $30420.46 | XX/XX/XXXX | 7.748% | $4461.41 | $5361.08 | 7.25% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7431.59 | 1 |  | X | $7104.00 | $3692.04 |  |  |  |  |  | 44.319% |  | 44.319% | 20250820 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 07/2025;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 09/2025-270 mo;<br> [Borrower - Primary Income - Wages] Work Number - 09/2025-168 mo; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $28576.59 |  |  | 596980.71 |  |  | No |  | N/A | 7.25 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678030 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21802.40 | $24855.42 | XX/XX/XXXX | 7.723% | $8092.76 | $10087.13 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $15819.05 | 1 |  | X | $19796.40 | $4136.04 |  |  |  |  |  | 49.228% |  | 49.228% | 20250806 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 8/27/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 7/26/1999;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025-12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $21802.40 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679459 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $31358.24 | $32510.22 | XX/XX/XXXX | 7.727% | $10487.59 | $13493.00 | 7.50% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $17414.26 | 1 |  | X | $28892.88 | $7172.04 |  |  |  |  |  | 46.945% |  | 46.945% | 20250725 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025 - 141 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024 - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025 - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025 - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 3/2025 - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 7/2025; | [Co Borrower 1] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 13493 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678033 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5170.23 | $7849.02 | XX/XX/XXXX | 8.201% | $1380.53 | $2345.04 | 7.75% | No | No | Retired | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $3419.26 | 1 |  | X | $3964.08 | $614.04 | XXXX | IL | $583.00 | 20251001 | Monthly | 44.54% |  | 44.54% |  | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 50% |  | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 09/2024-08/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 06/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] SS Award Letter - 07/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 1000 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2748 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679460 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21024.44 | $26263.50 | XX/XX/XXXX | 7.318% | $5781.73 | $8760.87 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $22189.08 | 1 |  | X | $16619.76 | $2233.92 | XXXX | CA | $1408.00 |  | Monthly | 42.957% |  | 42.957% | 20250729 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 76.61% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024 - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025 ;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7/2008;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $21024.44 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 33287 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 281 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679461 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $32630.63 | $37581.80 | XX/XX/XXXX | 7.663% | $9505.42 | $10984.01 | 7.38% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $13570.42 | 1 |  | AE | $9279.00 | $6648.00 | XXXX | SC | $1816.08 |  | Annually | 47.795% | 47.795 |  | 20250728 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 09/2023-08/2025 24 months;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 07/2025-09/2025- 2 months;<br> [Borrower - Primary Income - Bank Statements] Other - 08/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Other - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 10565 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion | 10984 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680820 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $923.62 | $1129.62 | 8.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $329.04 | $2142.96 |  |  |  |  |  |  |  |  | 20250813 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.43 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 58791 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679464 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $19704.56 | $25044.05 | XX/XX/XXXX | 7.819% | $6053.62 | $7244.36 | 7.50% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $10483.60 | 1 |  | X | $8865.84 | $1343.04 | XXXX | WA | $340.00 | 20251001 | Monthly | 43.673% | 43.673 |  | 20250701 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 07/2025;<br> [Borrower - Non-Primary Income - Retirement] Other - 08/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 08/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $19704.56 |  |  | 1400 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 151 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678039 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6217.19 | $7139.33 | XX/XX/XXXX | 8.145% | $1122.70 | $1839.59 | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4156.63 | 1 |  | X | $6961.68 | $1361.04 | XXXX | OH | $23.33 |  | Monthly | 36.221% |  | 36.221% | 20250806 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 6/29/2025-7/26/2025-1 month;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 9/11/2025;<br> [Borrower - Non-Primary Income - Social Security] 1099 - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $6217.19 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679465 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $14177.11 | $17427.62 | XX/XX/XXXX | 7.08% | $3517.56 | $4721.80 | 6.75% | No | No | Employed | Employed | Employed | Employed |  | 2021-03-21T00:00:00 | 2018-01-21T00:00:00 | No | No | No | No |  |  |  | $9741.21 | 1 |  | X | $10092.00 | $4358.88 |  |  |  |  |  | 48.576% | 48.576 |  | 20250723 | 793 | 775 | 785 | 796 | 774 | 793 | 803 |  |  |  |  |  |  |  |  |  | Stated, Verified | Stated, Verified |  | Stated, Level 5 Verified | Stated, Level 5 Verified |  | Stated, level 3 Verified | Stated, level 3 Verified |  | No | No |  |  |  |  |  |  | [Co Borrower 2 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 3 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 3 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 2 - Primary Income - Wages] Work Number - 08/2025- 49 mo;<br> [Co Borrower 3 - Primary Income - Wages] Work Number - 08/2025-85 mo;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 05/2025-06/2025;<br> [Co Borrower 3 - Primary Income - Wages] Paystubs - 07/2025;<br> [Co Borrower 2 - Primary Income - Wages] VVOE - 08/2025;<br> [Co Borrower 3 - Primary Income - Wages] VVOE - 08/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $14177.11 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE | 785 | 793 |  |  |  |  |  |
| 1679466 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7962.76 | $10104.03 | XX/XX/XXXX | 7.965% | $2298.35 | $2997.05 | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5054.98 | 1 |  | X | $6012.36 | $2007.00 | XXXX | GA | $30.42 |  | Monthly | 49.561% | 49.561 |  | 20250814 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 606/2025-07/2025;<br> [Borrower - Primary Income - Wages] Work Number - 8/18/2025-31 months;<br> [Borrower - Primary Income - Wages] VVOE - 9/3/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $7962.76 |  |  | 11709.08 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 38 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679470 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16674.75 | $18923.39 | XX/XX/XXXX | 7.914% | $3416.12 | $4225.16 | 7.50% | No | No | Employed | Retired | Retired |  |  |  |  | No | No | No |  |  |  |  | $6924.49 | 1 |  | D | $2123.40 | $589.08 | XXXX | HI | $583.00 |  | Monthly | 41.016% |  | 41.016% | 20250814 | 796 | 810 | 832 | 812 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 4 Verified |  |  | Not Stated, not Verified |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 8/17/2025-9/13/2025-1 month;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 9/11/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 3/19/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] W-2 - 2023;<br> [Co Borrower 1 - Non-Primary Income - Retirement] W-2 - 2024;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 7/1/2025-8/31/2025-2 months;<br> [Co Borrower 2 - Primary Income - Retirement] Bank Statements - Personal - 6/2025-8/2025-2 months;<br> [Co Borrower 2 - Primary Income - Retirement] Other - 1/1/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $16674.75 |  |  | 5000 |  |  | No |  | N/A | 7.5 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 79 |  | No |  | FALSE | 812 |  |  |  |  |  |  |
| 1679471 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13454.00 | $14610.53 | XX/XX/XXXX | 0.00% | $2340.01 | $2982.73 | 7.38% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3047.35 | 2 |  | X | $4898.64 | $2814.00 |  |  |  |  |  | 49.825% |  | 49.825% | 20250717 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025-08/2025 2 months;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 13300 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2727 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680829 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2914.79 | $3487.71 | 6.88% | Yes | Yes | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $4863.00 | $2012.04 |  |  |  |  |  |  |  |  | 20250804 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  | 100% |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.34 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3434 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679476 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16573.09 | $17335.20 | XX/XX/XXXX | 7.235% | $4979.29 | $5486.94 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8070.15 | 1 |  | X | $4015.68 | $2076.12 |  |  |  |  |  | 40.582% |  | 40.582% | 20250725 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2023-07/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2024;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2024;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2023-07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | -5737.5 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5739 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 3 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1677638 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6597.00 | $7773.41 | XX/XX/XXXX | 7.787% | $1415.88 | $2300.22 | 7.38% | No | No | Self-Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $5497.99 | 1 |  | X | $6257.04 | $1715.04 | XXXX | ME | $220.00 | 20251001 | Monthly | 40.724% |  | 40.724% | 20250718 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 63.23% |  |  | [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 2025;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 2025;<br> [Borrower - Primary Income - Partnership] W-2 - 2024;<br> [Borrower - Primary Income - Partnership] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Partnership] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] Tax Returns – Personal - 2024; | [Borrower] 1040 - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 6000 | 1.4 |  | No |  | N/A | 7.375 | 1 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 31 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679479 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5970.00 | $7231.20 | XX/XX/XXXX | 7.706% | $1193.81 | $2043.41 | 7.25% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $3225.59 | 1 |  | X | $4302.00 | $1933.20 | XXXX | FL | $330.00 |  | Monthly | 39.243% |  | 39.243% | 20250819 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 12/19/2024;<br> [Borrower - Primary Income - Retirement] Pension Letter - 11/21/1991;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 2/3/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $5970.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 52 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679481 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8325.17 | $10307.99 | XX/XX/XXXX | 0.00% | $1849.58 | $2276.34 | 8.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4431.70 | 1 |  | X | $3127.08 | $1994.04 |  |  |  |  |  | 49.026% |  | 49.026% | 20250806 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 8500 |  |  | No |  | N/A | 8.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680107 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $7131.22 | $8451.75 | 7.38% | Yes | Yes | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 5 |  | X | $12791.40 | $3054.96 |  |  |  |  |  |  |  |  | 20250814 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.16 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 26346 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1676353 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $16366.35 | $24669.89 | XX/XX/XXXX | 8.272% | $7208.55 | $8770.54 | 8.00% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10217.04 | 1 |  | X | $14353.92 | $3093.96 | XXXX | CA | $108.00 |  | Monthly | 47.969% | 47.969 |  | 20250819 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 07/2025-082025 - asset depletion;<br> [Borrower - Primary Income - Wages] Paystubs - 06/16/2025-06/30/2025 - XXXX;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Employer Letter - 04/17/2025;<br> [Borrower - Primary Income - Wages] Work Number - 08/25/2025 - 9 months - XXXX;<br> [Borrower - Primary Income - Wages] VVOE - 08/29/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679487 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $13841.28 | $16731.18 | XX/XX/XXXX | 7.744% | $5322.77 | $8453.80 | 7.50% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $63010.89 | 1 |  | X | $14012.88 | $1035.12 | XXXX | GA | $1877.03 |  | Monthly | 11.869% | 11.869 |  | 20250714 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 6/1/2025-8/31/2025-2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 398 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679489 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6693.66 | $8047.42 | XX/XX/XXXX | 7.87% | $1608.63 | $1918.24 | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3328.79 | 1 |  | X | $1142.52 | $724.80 | XXXX | VA | $154.00 | 20251001 | Monthly | 37.276% |  | 37.276% | 20250821 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025-08/2025;<br> [Borrower - Primary Income - Wages] WVOE - 09/2025 31 months;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025;<br> [Borrower - Non-Primary Income - Retirement] Bank Statements - Personal - 06/2025-07/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 06/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $6693.66 |  |  | 4000 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 102 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678068 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7645.67 | $8212.99 | XX/XX/XXXX | 7.909% | $2183.90 | $2859.42 | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3958.91 | 1 |  | X | $7268.16 | $838.08 |  |  |  |  |  | 49.071% | 49.071 |  | 20250811 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 9/16/2025-0 months;<br> [Borrower - Primary Income - Wages] Employer Letter - 8/22/2025;<br> [Borrower - Primary Income - Wages] WVOE - 9/17/2025-1 week;<br> [Borrower - Primary Income - Wages] Paystubs - 8/2/2025-8/30/2025-1 month;<br> [Borrower - Primary Income - Wages] VVOE - 9/17/2025; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $7645.67 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680836 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4888.16 | $6572.46 | XX/XX/XXXX | 0.00% | $2434.55 | $3281.07 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6854.81 | 1 |  | X | $5968.80 | $4189.44 |  |  |  |  |  | 36.127% |  | 36.127% | 20250822 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 09/2024-08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $4888.16 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679492 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $27380.38 | $32145.38 | XX/XX/XXXX | 7.722% | $6647.75 | $8222.94 | 7.38% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $20828.40 | 1 |  | X | $7625.28 | $1617.00 | XXXX | NV | $805.00 | 20251001 | Monthly | 37.515% | 37.515 |  | 20250818 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025-08/2025;<br> [Borrower - Primary Income - Wages] Work Number - 09/2025-142 mo;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $27380.38 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679493 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7548.54 | $8233.70 | XX/XX/XXXX | 7.507% | $1699.92 | $2628.53 | 7.13% | No | No | Retired | Retired | Self-Employed | Not Required |  | 2025-08-26T00:00:00 |  | No | No | No | No |  |  |  | $7306.82 | 1 |  | X | $8960.28 | $1548.00 | XXXX | TX | $635.04 |  | Annually | 45.489% |  | 45.489% | 20250731 | 773 | 773 | 780 | 759 | 755 | 776 | 789 |  |  |  |  |  |  |  |  |  | Stated, Verified | Stated, Verified |  | Stated, Verified but not Verified to Level 4 or Level 5 | Not Stated, not Verified |  | Stated, level 3 Verified | Not Stated, not Verified |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] SS Award Letter - 1/2025;<br> [Borrower - Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 1/2025;<br> [Co Borrower 2 - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Co Borrower 2 - Primary Income - Sole Proprietor] Other - 6/2025 - 8/2025;<br> [Co Borrower 2 - Primary Income - Sole Proprietor] Employer Letter - 8/2025;<br> [Co Borrower 2 - Primary Income - Sole Proprietor] Employer Letter - 6/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 20335 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC | 5711 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 13 |  | No |  | FALSE | 773 | 776 |  |  |  |  |  |
| 1679494 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11687.50 | $12588.20 | XX/XX/XXXX | 0.00% | $4567.13 | $6025.90 | 7.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7892.88 | 1 |  | X | $14011.08 | $3494.16 |  |  |  |  |  | 48.239% |  | 48.239% | 20250820 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Borrower Prepared | [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 06/2016;<br> [Borrower - Primary Income - S-Corp] Other - 09/2025;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 01/2025-09/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 08/2025 1 month; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 5312.5 |  |  | No |  | N/A | 7.75 | 0 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 1948 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679495 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21719.00 | $24764.08 | XX/XX/XXXX | 7.263% | $3214.45 | $3811.99 | 6.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11423.93 | 1 |  | X | $5959.44 | $611.04 | XXXX | NV | $50.00 |  | Monthly | 27.655% |  | 27.655% | 20250826 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/28/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/19/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/08/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 07/04/2025-08/14/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 08/28/2025 - 32 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 09/08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 35138.74 |  |  | No |  | N/A | 6.75 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679496 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7501.58 | $9392.74 | XX/XX/XXXX | 7.293% | $1516.89 | $1997.89 | 6.88% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $2592.35 | 1 |  | X | $4683.96 | $1088.04 |  |  |  |  |  | 43.879% |  | 43.879% | 20250826 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Retirement] Investment Statements - 06/2025-07/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $7501.58 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 342 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679497 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $25474.13 | $27884.91 | XX/XX/XXXX | 7.141% | $7094.93 | $7566.59 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7906.44 | 1 |  | X | $3843.84 | $1588.08 | XXXX | UT | $19.00 |  | Monthly | 48.902% | 48.902 |  | 20250721 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 9/15/2025;<br> [Borrower - Primary Income - Wages] WVOE - 7/17/2025-31 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 6/26/2025-8/10/2025-1.5 months;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - Not dated-32 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 9/11/2025-32 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 9/15/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $25474.13 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679498 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8457.50 | $15705.07 | XX/XX/XXXX | 0.00% | $8953.56 | $10073.27 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $25778.47 | 1 |  | X | $10365.96 | $3070.56 |  |  |  |  |  | 33.914% |  | 33.914% | 20250814 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 30% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2023 - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2013; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 10073 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678072 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8345.75 | $9622.30 | XX/XX/XXXX | 8.763% | $1572.40 | $2220.61 | 8.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6417.57 | 1 |  | X | $2612.28 | $759.00 | XXXX | OR | $367.27 |  | Monthly | 38.665% |  | 38.665% | 20250826 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $8345.75 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Asset Utilization | 4190 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 102 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679499 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11307.17 | $14853.72 | XX/XX/XXXX | 7.764% | $2937.86 | $3274.97 | 7.38% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7002.35 | 1 |  | X | $2275.32 | $1506.00 | XXXX | DE | $264.00 |  | Annually | 32.878% |  | 32.878% | 20250820 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025 - 31 MONTHS;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 9/2025 - 31 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024 - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 8/2024 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 2/2023; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $11307.17 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3275 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679500 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7420.00 | $9550.94 | XX/XX/XXXX | 8.19% | $4053.66 | $4399.89 | 8.00% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6267.01 | 1 |  | X | $3033.72 | $1121.04 |  |  |  |  |  | 48.711% |  | 48.711% | 20250718 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% |  | 100% |  | [Borrower - Primary Income - Retirement] VVOE - 9/2025;<br> [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 6/2025;<br> [Borrower - Primary Income - Retirement] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Retirement] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Retirement] W-2 - 2023;<br> [Borrower - Primary Income - Retirement] W-2 - 2024;<br> [Borrower - Primary Income - Retirement] Paystubs - 5/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 9/2024 - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 9/2025 - 24MONTHS;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 5/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 9/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4400 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679502 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10392.17 | $14241.60 | XX/XX/XXXX | 7.874% | $2873.77 | $3388.19 | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4749.72 | 1 |  | X | $3234.00 | $2939.04 |  |  |  |  |  | 45.165% | 45.165 |  | 20250902 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 08/2025-1 months;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 09/25;<br> [Borrower - Primary Income - Wages] WVOE - 05/2025-06/2025 2 months; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 3928 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679503 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12085.82 | $16603.14 | XX/XX/XXXX | 7.204% | $3475.81 | $4664.81 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6484.61 | 1 |  | X | $9624.96 | $1163.04 | XXXX | CA | $290.00 | 20251001 | Monthly | 43.722% | 43.722 |  | 20250727 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 05/2025-08/2025;<br> [Borrower - Primary Income - Wages] Other - 09/2025;<br> [Borrower - Primary Income - Wages] WVOE - 08/2025-23 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023; | [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 5000 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2270 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679504 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7275.77 | $8312.62 | XX/XX/XXXX | 7.818% | $1388.26 | $2288.45 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3517.26 | 1 |  | X | $4105.56 | $6696.72 |  |  |  |  |  | 47.47% |  | 47.47% | 20250804 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 0.16% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2024-07/2025 12 Months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $7275.77 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678075 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10861.25 | $12657.62 | XX/XX/XXXX | 7.838% | $2786.37 | $4076.16 | 7.50% | No | No | Not Required | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5849.26 | 1 |  | X | $10825.68 | $4242.84 | XXXX | TX | $408.96 |  | Annually | 42.129% |  | 42.129% | 20250804 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55% |  | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 09/05/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 09/03/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 09/03/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/06/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 09/11/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679506 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6355.00 | $6846.33 | XX/XX/XXXX | 8.957% | $1476.31 | $1878.65 | 8.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2583.35 | 1 |  | X | $3123.00 | $1705.08 |  |  |  |  |  | 46.392% |  | 46.392% | 20250827 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2/2018;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2023 - 7/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $6355.00 |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1879 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680193 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8217.09 | $9461.94 | XX/XX/XXXX | 7.911% | $1729.65 | $2275.01 | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2713.89 | 1 |  | X | $4632.24 | $1912.08 |  |  |  |  |  | 49.76% |  | 49.76% | 20250827 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Work Number - 9/2025 - 31 months;<br> [Borrower - Primary Income - Wages] Paystubs - 6/2025-7/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 9/2025 - 1 month;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025;<br> [Borrower - Primary Income - Wages] VVOE - 9/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $8217.09 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 47 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679507 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15033.70 | $16240.61 | XX/XX/XXXX | 6.864% | $4290.08 | $4617.05 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6489.18 | 1 |  | X | $1350.60 | $2573.04 |  |  |  |  |  | 45.175% |  | 45.175% | 20250827 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 5% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 8/2024-8/2025-13 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024-7/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 8/7/2023;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/18/2025;<br> [Borrower - Non-Primary Income - Retirement] Other - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $15033.70 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 140 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679511 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9200.75 | $10851.16 | XX/XX/XXXX | 7.485% | $3322.54 | $3806.33 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5748.75 | 1 |  | X | $3074.04 | $331.44 | XXXX | UT | $200.00 |  | Monthly | 41.358% |  | 41.358% | 20250828 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/5/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/23/2020;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 10/23/2020;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/17/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025-12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $9200.75 |  |  | 9500 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679515 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10018.26 | $10905.44 | XX/XX/XXXX | 7.638% | $2965.21 | $3483.75 | 7.38% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $5821.08 | 1 |  | X | $2881.32 | $893.16 | XXXX | UT | $204.00 |  | Monthly | 43.73% | 43.73 |  | 20250904 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Pension Letter - 8/19/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 7/1/2025-8/31/2025-2 months;<br> [Borrower - Primary Income - Retirement] Pension Letter - 8/17/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $10018.26 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 141 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679516 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16912.60 | $18096.27 | XX/XX/XXXX | 7.775% | $4838.58 | $5970.66 | 7.50% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11476.19 | 1 |  | X | $7991.88 | $5593.08 |  |  |  |  |  | 42.864% |  | 42.864% | 20250826 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 55% |  | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025- 12 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 01/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 06/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 01/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 17500 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 109 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680844 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1311.03 | $2140.08 | 7.75% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $6115.68 | $3832.92 |  |  |  |  |  |  |  |  | 20250828 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 83 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679519 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9168.81 | $10547.45 | XX/XX/XXXX | 6.999% | $2742.90 | $3075.63 | 6.75% | No | No | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $16234.90 | 1 |  | X | $3009.36 | $863.40 | XXXX | UT | $10.00 | 20251001 | Monthly | 16.101% |  | 16.101% | 20250805 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2022;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $9168.81 |  |  | 10000 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679520 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $18095.00 | $24277.00 | XX/XX/XXXX | 0.00% | $8113.68 | $9351.79 | 8.25% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $23029.14 | 1 |  | X | $12248.28 | $2609.04 |  |  |  |  |  | 34.442% |  | 34.442% | 20250901 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/04/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/04/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/14/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 09/04/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 09/04/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/14/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 09/10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 33696.73 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678079 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11973.90 | $12959.67 | XX/XX/XXXX | 8.611% | $3003.19 | $3321.62 | 8.25% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5832.51 | 1 |  | C | $2136.12 | $1685.04 |  |  |  |  |  | 44.574% |  | 44.574% | 20250818 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 50% |  | [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Co Borrower 1 - Non-Primary Income - Retirement] Pension Letter - 08/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] Bank Statements - Personal - 08/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 09/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Secretary of State (SOS) - 09/2025;<br> [Borrower - Non-Primary Income - Retirement] SS Award Letter - 06/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] SS Award Letter - 01/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 09/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $11973.90 |  |  | 12000 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 4 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2461 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679522 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19449.08 | $20530.58 | XX/XX/XXXX | 7.521% | $5440.70 | $6456.48 | 7.25% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $13900.02 | 1 |  | X | $8022.36 | $3717.00 | XXXX | GA | $450.00 | 20260101 | Annually | 33.405% |  | 33.405% | 20250829 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024/08/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2010;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 08/2025- 2 mo;<br> [Co Borrower 1 - Primary Income - Retirement] Investment Statements - 08/2025-2 mo; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 2690 | 1.7 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 64 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679524 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12471.09 | $13297.98 | XX/XX/XXXX | 8.029% | $3617.17 | $4639.97 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5872.33 | 1 |  | AE | $6506.64 | $5766.96 |  |  |  |  |  | 44.138% |  | 44.138% | 20250903 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2024-07/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 132 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680846 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4071.23 | $5781.17 | XX/XX/XXXX | 8.882% | $1007.86 | $1285.68 | 8.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3573.32 | 1 |  | X | $1115.88 | $2217.96 |  |  |  |  |  | 41.878% |  | 41.878% | 20250815 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 03/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 03/2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/26/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $4071.23 |  |  | -3 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 46 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679526 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13697.72 | $16890.51 | XX/XX/XXXX | 7.128% | $2932.31 | $4002.82 | 6.75% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $9916.62 | 1 |  | X | $11426.04 | $1420.08 |  |  |  |  |  | 42.154% |  | 42.154% | 20250820 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 1/2025;<br> [Borrower - Primary Income - Retirement] 4506 or 4506T - 2023;<br> [Borrower - Primary Income - Retirement] Pension Letter - 1/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 9/2025 - 24MONTHS;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 6/2025 - 9/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 6/2025 - 9/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 1/2025;<br> [Co Borrower 1 - Primary Income - Retirement] 4506 or 4506T - 2023;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 6/2025 - 9/2025;<br> [Borrower - Primary Income - Retirement] 4506 or 4506T - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] 4506 or 4506T - 2024; | [Borrower] 4506 or 4506T - 2023;<br> [Borrower] 4506 or 4506T - 2024;<br> [Co Borrower 1] 4506 or 4506T - 2023;<br> [Co Borrower 1] 4506 or 4506T - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 1.9 |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC | 4975 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 170 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680847 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $5016.03 | $5271.10 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1613.76 | $1447.08 |  |  |  |  |  |  |  |  | 20250902 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.91 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 151 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678241 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10857.24 | $12589.31 | XX/XX/XXXX | 8.036% | $2356.39 | $2889.09 | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7082.21 | 1 |  | X | $2868.36 | $3524.04 |  |  |  |  |  | 37.299% |  | 37.299% | 20250819 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025 - 120 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/26/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | -33.15 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5706 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680849 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1597.31 | $2069.77 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8451.92 | 1 |  | X | $4271.52 | $1398.00 |  |  |  |  |  | 33.667% |  |  | 20250904 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 9/2023 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025 - 60 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/25/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3598 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 103 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681083 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1130.46 | $1628.18 | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2341.68 | $1110.96 | XXXX | TN | $210.00 |  | Monthly |  |  |  | 20250904 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 6500 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 3.55 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680850 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1201.11 | $1440.55 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $1167.60 | $1705.68 |  |  |  |  |  |  |  |  | 20250905 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.39 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 5164 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 36 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680851 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $697.21 | $846.28 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1010.88 | $777.96 |  |  |  |  |  |  |  |  | 20250905 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 5164 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 100 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679531 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12037.42 | $13421.16 | XX/XX/XXXX | 7.278% | $3153.28 | $3562.53 | 6.99% | No | No | Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $7610.32 | 1 |  | X | $3628.80 | $1282.20 |  |  |  |  |  | 35.858% | 35.858 |  | 20250827 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 8/2025;<br> [Borrower - Primary Income - Wages] VVOE - 9/2025;<br> [Borrower - Primary Income - Wages] WVOE - 9/2023 - 37 MONTHS;<br> [Borrower - Non-Primary Income - Retirement] Pension Letter - 9/1/2025;<br> [Borrower - Non-Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Non-Primary Income - Retirement] Bank Statements - Personal - 6/2025 - 7/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 6/2025 - 8/2025;<br> [Co Borrower 1 - Primary Income - Retirement] W-2 Transcript - No Results Returned - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 9/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | -6242.42 | 1.3 |  | No |  | N/A | 6.99 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679533 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12973.96 | $14681.10 | XX/XX/XXXX | 7.381% | $2827.68 | $3917.79 | 7.00% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5537.89 | 1 |  | AH | $6780.24 | $6301.08 |  |  |  |  |  | 46.836% |  | 46.836% | 20250827 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 08/2025-1 mo;<br> [Borrower - Primary Income - Wages] Work Number - 09/2025 - 64 months;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $12973.96 |  |  | 5000 |  |  | No |  | N/A | 6.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680855 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12894.00 | $14220.55 | XX/XX/XXXX | 7.675% | $3453.38 | $3726.59 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10759.14 | 1 |  | X | $1943.52 | $1335.00 |  |  |  |  |  | 34.562% |  | 34.562% | 20250908 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70% | 33.33% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $12894.00 |  |  | 82500 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679536 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10147.89 | $10412.16 | XX/XX/XXXX | 0.00% | $4389.93 | $4872.50 | 6.88% | No | No | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $5545.40 | 1 |  | X | $3393.84 | $2397.00 |  |  |  |  |  | 49.987% |  | 49.987% | 20250908 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 40% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2024-07/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $10147.89 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4579 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680856 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $8298.88 | $8675.55 | 7.63% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $63489.40 | 1 |  | X | $3210.12 | $1095.96 | XXXX | AZ | $17.83 |  | Monthly | 28.287% |  |  | 20250904 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 50% |  | [Co Borrower 1 - Primary Income - S-Corp] Business Return Transcripts - 2022;<br> [Co Borrower 1 - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2022;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 Transcript - 2022;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 8/16/2025-9/12/2025-1 month;<br> [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 1/1/2024-12/31/2024-12 months;<br> [Co Borrower 1 - Primary Income - S-Corp] Business License/Validation - 8/20/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 10/7/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Business License/Validation - 10/7/2025;<br> [Borrower - Primary Income - S-Corp] Business License/Validation - 8/20/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 10/7/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 10/14/2024;<br> [Borrower - Primary Income - S-Corp] Business License/Validation - 10/7/2025;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2022;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2022;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Borrower - Primary Income - S-Corp] W-2 - 2022;<br> [Borrower - Primary Income - S-Corp] W-2 - 2023;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] Paystubs - 8/16/2025-9/12/2025-1 month;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 1/1/2024-12/31/2024-12 months;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2022;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2023; | [Borrower] 1040 - 2022;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2022;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2022;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 1] Transcripts - 2022;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 3 | 3 | 0 | 4 | 0 | 4 | 0 | 0 | 24 | No | 0 |  |  | No | Fee Simple | Limited Liability Corp | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 110 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679538 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $13070.00 | $17153.98 | XX/XX/XXXX | 7.227% | $3350.34 | $4008.70 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6401.24 | 1 |  | X | $6755.88 | $1144.44 |  |  |  |  |  | 39.724% | 39.724 |  | 20250902 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 7/2025 - 8/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 9/4/2025;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 6/2025 - 7/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 34000 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 4009 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 89 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679831 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6831.01 | $8005.19 | XX/XX/XXXX | 7.489% | $1120.99 | $2167.23 | 7.00% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6602.30 | 1 |  | X | $3389.04 | $1641.84 | XXXX | FL | $627.00 | 20251101 | Monthly | 25.394% |  | 25.394% | 20250925 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025 & 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 07/2025 & 09/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] WVOE - 10/2025- 48 mo;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 10/2025-48 mo; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $6831.01 |  |  | 0 |  |  | No |  | N/A | 6.999 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 22 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679932 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7622.83 | $9312.73 | XX/XX/XXXX | 6.918% | $2117.43 | $2793.37 | 6.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $3167.51 | 1 |  | X | $6517.20 | $1194.00 |  |  |  |  |  | 48.081% |  | 48.081% | 20250924 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% | 100% | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - Not Dated;<br> [Co Borrower 1 - Primary Income - Bank Statements] Third Party Verification - 10/9/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Third Party Verification - 10/9/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-9/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Third Party Verification - 10/9/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 10/10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/16/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025-12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $7622.83 |  |  | 5000 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679539 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12251.05 | $10072.24 | XX/XX/XXXX | 0.00% | $3662.88 | $4888.24 | 8.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $33307.50 | 1 |  | X | $9781.56 | $4922.76 |  |  |  |  |  | 28.563% |  | 28.563% | 20250903 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $12251.05 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 91 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680863 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5983.98 | $7930.16 | XX/XX/XXXX | 7.285% | $1969.68 | $2356.67 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4266.83 | 1 |  | X | $3329.88 | $1014.00 | XXXX | GA | $300.00 |  | Annually | 49.502% |  | 49.502% | 20250909 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 2/2022;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 2/2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2357 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679922 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21804.83 | $23833.20 | XX/XX/XXXX | 6.717% | $3154.99 | $4669.21 | 6.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7665.40 | 1 |  | X | $15020.52 | $2200.08 | XXXX | TX | $950.04 |  | Annually | 38.005% |  | 38.005% | 20250828 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-02/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 05/09/2019;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/16/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/05/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $21804.83 |  |  | 37461.53 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680866 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1377.75 | $1748.74 | 7.13% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3213.96 | $868.92 | XXXX | MD | $369.00 |  | Annually |  |  |  | 20250903 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.84 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 18731 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 38 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680867 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1340.13 | $1857.18 | 6.88% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3577.68 | $826.92 | XXXX | MD | $150.00 | 20251101 | Monthly |  |  |  | 20250903 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 18731 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679543 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $18461.13 | $19089.57 | XX/XX/XXXX | 7.455% | $4048.71 | $5192.32 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12341.73 | 1 |  | AE | $9477.24 | $4246.08 |  |  |  |  |  | 29.948% |  | 29.948% | 20250904 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2021; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 21210 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680872 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $898.26 | $1149.26 | 8.00% | Yes | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $3087.94 | 1 |  | X | $549.12 | $2462.88 |  |  |  |  |  | 44.362% |  |  | 20250904 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] SS Award Letter - 9/2025;<br> [Borrower - Primary Income - Retirement] Pension Letter - 9/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 7/2025 - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 3203 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1678719 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13711.55 | $14290.63 | XX/XX/XXXX | 8.83% | $3720.00 | $4756.49 | 8.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8684.79 | 1 |  | X | $10835.88 | $1602.00 |  |  |  |  |  | 40.715% |  | 40.715% | 20250911 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/22/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 8/2024;<br> [Borrower - Primary Income - Wages] Paystubs - 8/2025 - 9/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2024; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $13711.55 |  |  | 0 |  |  | No |  | N/A | 8.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4756 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680879 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9155.00 | $10781.92 | XX/XX/XXXX | 0.00% | $1690.42 | $2693.10 | 6.63% | Yes | Yes | Self-Employed | Self-Employed | Self-Employed |  |  | 2015-08-25T00:00:00 |  | No | No | No |  |  |  |  | $35649.29 | 1 |  | AE | $4940.16 | $7092.00 |  |  |  |  |  | 24.009% |  | 24.009% | 20250909 | 761 | 741 | 780 | 769 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  | Stated, level 3 Verified |  |  | No | Yes | 12 | Business | 85% | 50% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025 - 24 MONTHS;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 9/2025 - 264 MONTHS;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 3/2016;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] CPA Letter - 9/2025 24 MONTHS;<br> [Co Borrower 2 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Co Borrower 2 - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5013 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 27 |  | No |  | FALSE | 769 |  |  |  |  |  |  |
| 1679549 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23272.33 | $23907.57 | XX/XX/XXXX | 7.173% | $9263.93 | $10372.63 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $42589.06 | 1 |  | X | $10123.80 | $3180.60 |  |  |  |  |  | 19.797% |  | 19.797% | 20250909 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025 12 Months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2025-08/2025 3 Months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $23272.33 |  |  | 640 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4908 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680880 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3872.80 | $5077.88 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $9870.96 | $4590.00 |  |  |  |  |  |  |  |  | 20250816 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 26999.97 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.79 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679550 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $27563.00 | $28386.13 | XX/XX/XXXX | 6.818% | $4003.37 | $5927.45 | 6.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11956.35 | 1 |  | X | $16212.36 | $6876.60 |  |  |  |  |  | 49.281% |  | 49.281% | 20250811 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 06/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2020;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-07/2025;<br> [Borrower - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 56391.83 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5927 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680883 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6767.00 | $7929.97 | XX/XX/XXXX | 7.91% | $1121.66 | $1268.81 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5308.75 | 1 |  | X | $907.68 | $858.12 |  |  |  |  |  | 35.153% |  | 35.153% | 20250820 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 04/2020;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2020;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1710 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680885 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9850.58 | $11387.80 | XX/XX/XXXX | 7.069% | $2344.38 | $2936.95 | 6.75% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $3900.88 | 1 |  | X | $5120.88 | $1989.96 |  |  |  |  |  | 44.878% |  | 44.878% | 20250905 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2023-08/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $9850.58 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3437 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 74 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680887 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $16726.80 | $21163.73 | XX/XX/XXXX | 7.447% | $4627.37 | $5352.12 | 7.13% | No | No | Not Required | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $13004.79 | 1 |  | X | $4593.96 | $1463.04 | XXXX | NV | $220.00 | 20251101 | Monthly | 33.868% | 33.868 |  | 20250901 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Retirement] Investment Statements - 08/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 09/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Other - 10/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 2000 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 346 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680888 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2300.33 | $3356.08 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1725.96 | $1163.04 | XXXX | HI | $815.00 | 20251101 | Monthly |  |  |  | 20250813 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 1000 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 31 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680889 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2292.11 | $3053.46 | 7.25% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9617.03 | 1 |  | X | $4899.24 | $756.96 | XXXX | NJ | $290.00 | 20251101 | Monthly | 23.328% |  |  | 20250907 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 50% |  | [Borrower - Primary Income - S-Corp] Business License/Validation - 12/2020;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 06/2025;<br> [Borrower - Primary Income - S-Corp] Paystubs - 08-2025-09/2025 1 month;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 08/2025-8 months;<br> [Borrower - Primary Income - S-Corp] 1120 - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 Transcript - 2024;<br> [Borrower - Primary Income - S-Corp] VVOE - 10/2025;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Business License/Validation - 12/2020;<br> [Co Borrower 1 - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] CPA Letter - 06/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 08/2025-09/2025 1 month;<br> [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 08/2025- 8 months;<br> [Co Borrower 1 - Primary Income - S-Corp] 1120 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2024; | [Borrower] 4506 or 4506T - 12/2024;<br> [Co Borrower 1] 4506 or 4506T - 12/2024;<br> [Borrower] 1084 or income worksheet - 2024;<br> [Co Borrower 1] 1084 or income worksheet - 2024;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 3.9 |  | No |  | N/A | 7.25 | 1 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 24 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2806 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680891 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $6231.76 | $8018.07 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | AE | $10745.04 | $10690.68 |  |  |  |  |  |  |  |  | 20250819 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.4 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679557 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8774.98 | $14508.56 | XX/XX/XXXX | 0.00% | $4009.45 | $5271.80 | 7.88% | Yes | N/A | Employed |  |  |  |  |  |  | Yes | No |  |  |  | XXXX |  | $15561.53 | 1 |  | X | $9652.20 | $3336.00 | XXXX | CA | $180.00 | 20251101 | Monthly | 25.305% | 25.305 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 01/2022-08/2025-43 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $8774.98 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  |  | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680901 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1048.85 | $1588.37 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $4619.16 | $1855.08 |  |  |  |  |  |  |  |  | 20250917 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.13 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 1588 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 89 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680902 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1117.51 | $1540.85 | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $560.04 | $1340.04 | XXXX | TN | $265.00 | 20251101 | Monthly |  |  |  | 20250917 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | -2812.5 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 2692 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 111 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680903 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12605.00 | $15927.97 | XX/XX/XXXX | 0.00% | $3166.52 | $3646.53 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4351.58 | 1 |  | X | $4847.04 | $913.08 |  |  |  |  |  | 48.109% |  | 48.109% | 20250912 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 20000 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1023 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679558 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15082.50 | $18913.74 | XX/XX/XXXX | 6.60% | $2140.17 | $3521.18 | 6.00% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3703.10 | 1 |  | X | $7625.04 | $1087.08 | XXXX | CA | $655.00 | 20251101 | Monthly | 49.899% |  | 49.899% | 20250902 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 08/2025;<br> [Borrower - Primary Income - Wages] Work Number - 09/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 09/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 12999.4 |  |  | No |  | N/A | 5.99 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679561 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8168.95 | $8813.45 | XX/XX/XXXX | 8.221% | $2038.81 | $2512.86 | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2597.79 | 1 |  | X | $2397.72 | $3290.88 |  |  |  |  |  | 49.417% |  | 49.417% | 20250917 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2023-07/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] Other - 09/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $8168.95 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Trust | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 100 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680908 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8215.70 | $10720.95 | XX/XX/XXXX | 0.00% | $2117.41 | $2943.40 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4557.30 | 1 |  | X | $5306.88 | $981.00 | XXXX | CA | $302.00 |  | Monthly | 46.696% |  | 46.696% | 20250910 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 9/2024 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 1/2024;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 3/2023; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 4000 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680910 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16741.63 | $17565.07 | XX/XX/XXXX | 7.238% | $5027.98 | $7534.22 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10347.63 | 1 |  | X | $24222.84 | $5852.04 |  |  |  |  |  | 44.795% |  | 44.795% | 20250918 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 50% |  | Borrower Prepared | [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025 - 288 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024 - 6/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $16741.63 |  |  | 989359.37 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 7534 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 74 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680914 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $887.70 | $1010.20 | 7.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2728.00 | 1 |  | X | $875.04 | $594.96 |  |  |  |  |  |  |  |  | 20250910 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.24 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3738 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 89 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680916 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1860.83 | $2057.13 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $941.76 | $1413.84 |  |  |  |  |  |  |  |  | 20250918 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | -1312.5 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 157 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680920 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12687.64 | $13375.28 | XX/XX/XXXX | 0.00% | $2477.94 | $2894.44 | 6.88% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $5116.33 | 1 |  | X | $2903.04 | $1614.96 | XXXX | AR | $40.00 |  | Monthly | 47.776% |  | 47.776% | 20250821 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Retirement] Investment Statements - 06/2025-07/2025 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Asset Depletion |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 97 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680924 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8615.50 | $11053.28 | XX/XX/XXXX | 7.923% | $2059.05 | $2653.81 | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4052.24 | 1 |  | X | $5082.00 | $1540.08 | XXXX | GA | $515.04 | 20260101 | Annually | 45.41% |  | 45.41% | 20250908 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business |  | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-08/2025- 12 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025 12 mo;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 7000 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680001 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6925.60 | $8802.85 | XX/XX/XXXX | 0.00% | $2304.14 | $3044.27 | 6.75% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $11355.27 | 1 |  | X | $5945.52 | $1832.04 | XXXX | NM | $1104.00 |  | Annually | 25.537% | 25.537 |  | 20250910 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 08/2025-09/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 07/2025-09/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 07/2025-09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 374 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680932 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2915.72 | $3739.06 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | A | $4076.04 | $1328.04 | XXXX | NH | $373.00 | 20251101 | Monthly |  |  |  | 20250911 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.64 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680933 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $38159.60 | $43864.85 | XX/XX/XXXX | 7.681% | $10335.95 | $12216.04 | 7.38% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $13761.28 | 1 |  | AE | $18399.96 | $4161.12 |  |  |  |  |  | 49.393% | 49.393 |  | 20250923 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 151 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1679901 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10638.76 | $12682.42 | XX/XX/XXXX | 7.294% | $1555.03 | $1926.87 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2857.61 | 1 |  | X | $1925.04 | $521.04 | XXXX | AZ | $168.00 |  | Monthly | 47.407% |  | 47.407% | 20250908 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 9/26/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/3/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/3/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/26/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $10638.76 |  |  | 13000 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680937 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1678.11 | $3236.29 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $7395.72 | $1630.44 | XXXX | TX | $806.00 |  | Monthly |  |  |  | 20250924 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 70 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680942 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6421.28 | $8497.63 | XX/XX/XXXX | 7.282% | $2027.14 | $3973.84 | 7.00% | Yes | Yes | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $5001.57 | 1 |  | VE | $5408.40 | $3180.00 | XXXX | AL | $1231.00 | 20251101 | Monthly | 47.869% | 47.869 |  | 20250923 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 2025;<br> [Borrower - Primary Income - Retirement] 1099 - 2023;<br> [Borrower - Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Primary Income - Retirement] Paystubs - 07/2025;<br> [Borrower - Primary Income - Retirement] Tax Returns – Personal - 2023;<br> [Co Borrower 1 - Primary Income - Retirement] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - Retirement] Tax Returns – Personal - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - Retirement] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Retirement] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Retirement] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] W-2 Transcript - 2024; | [Borrower] 1040 - 2023;<br> [Co Borrower 1] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | -6000.34 |  |  | No |  | N/A | 6.999 | 0 | 0 | 4 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680943 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1210.14 | $1728.54 | 7.75% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $3396.72 | $2824.08 |  |  |  |  |  |  |  |  | 20250827 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.66 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 67 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680947 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $852.72 | $1236.38 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2499.96 | $2103.96 |  |  |  |  |  |  |  |  | 20250924 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.46 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 92 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681084 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2513.67 | $2888.94 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3821.04 | $682.20 |  |  |  |  |  |  |  |  | 20250929 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.8 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 107 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680949 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1208.24 | $1616.37 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2031.12 | $1810.44 | XXXX | MO | $88.00 | 20251101 | Monthly |  |  |  | 20250909 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680953 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10748.57 | $12859.78 | XX/XX/XXXX | 6.817% | $2552.85 | $3052.70 | 6.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $34337.57 | 1 |  | X | $2499.36 | $3106.92 | XXXX | AZ | $391.92 |  | Annually | 9.067% |  | 9.067% | 20250919 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/08/2020; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $10748.57 |  |  | 0 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1778 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 39 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681087 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $6070.88 | $8405.48 | 6.75% | Yes | Yes | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | X | $18750.00 | $9265.20 |  |  |  |  |  |  |  |  | 20250926 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680960 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2670.75 | $3490.42 | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2642.91 | 2 |  | X | $6582.96 | $3253.08 |  |  |  |  |  |  |  |  | 20250922 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 41 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680961 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3222.58 | $4035.61 | 7.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $6006.36 | $3750.00 |  |  |  |  |  |  |  |  | 20250922 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.39 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680966 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1398.46 | $2362.87 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $6236.88 | $3416.04 | XXXX | FL | $160.00 |  | Monthly |  |  |  | 20250819 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | -5637.5 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 81 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680971 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1705.44 | $1999.40 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1780.44 | $907.08 | XXXX | AZ | $70.00 |  | Monthly |  |  |  | 20250917 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680974 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1758.87 | $2182.96 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3110.04 | $1979.04 |  |  |  |  |  |  |  |  | 20250819 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.96 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 2645 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680975 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12184.10 | $13581.53 | XX/XX/XXXX | 6.933% | $2993.29 | $4797.52 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6752.28 | 1 |  | X | $18236.64 | $2764.08 | XXXX | TX | $54.17 |  | Monthly | 42.494% |  | 42.494% | 20250929 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/24/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/15/2017;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/3/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $12184.10 |  |  | 11209.9 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680983 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $997.46 | $1111.45 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $510.96 | $856.92 |  |  |  |  |  |  |  |  | 20250904 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.21 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 1573 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680984 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $745.93 | $1107.23 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2719.56 | $1616.04 |  |  |  |  |  |  |  |  | 20250904 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.17 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680987 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1509.32 | $1832.78 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1157.52 | $2724.00 |  |  |  |  |  |  |  |  | 20250819 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 163 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680988 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $19216.58 | $22718.97 | XX/XX/XXXX | 7.024% | $5192.79 | $6192.44 | 6.75% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $8049.09 | 1 |  | D | $5081.76 | $3542.04 | XXXX | HI | $281.00 |  | Monthly | 47.141% | 47.141 |  | 20251001 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] SS Award Letter - 1/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 8/2025 - 9/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 1/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 8/2025 - 9/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Investment Statements - 2/2024-10/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $19216.58 |  |  | 2500 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 6192 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681001 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $802.35 | $1844.73 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | AE | $2313.36 | $1063.20 | XXXX | SC | $761.00 | 20251101 | Monthly |  |  |  | 20251003 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.52 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 69 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681003 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12624.68 | $13355.72 | XX/XX/XXXX | 7.209% | $2787.60 | $3948.63 | 6.88% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4046.70 | 1 |  | AE | $10649.04 | $3283.32 |  |  |  |  |  | 49.789% |  | 49.789% | 20250923 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% |  | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 01/2013;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | -1646.04 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 81 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681005 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $13562.74 | $15641.70 | XX/XX/XXXX | 7.176% | $3519.76 | $4295.60 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5897.70 | 1 |  | X | $4095.00 | $4915.08 | XXXX | CO | $300.00 |  | Annually | 48.502% | 48.502 |  | 20250929 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 08/2025-09/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 07/2025-09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 8382 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 204 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681006 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3542.51 | $3930.46 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2943.36 | $1712.04 |  |  |  |  |  |  |  |  | 20250917 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.76 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681010 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11553.49 | $12484.17 | XX/XX/XXXX | 7.479% | $3830.69 | $4491.27 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8060.89 | 1 |  | X | $4880.16 | $3046.80 |  |  |  |  |  | 48.79% |  | 48.79% | 20251013 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2023 - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 4/2021; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $11553.49 |  |  | 15000 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4491 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680753 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4272.34 | $5428.09 | 7.25% | Yes | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | VE | $9462.96 | $4406.04 |  |  |  |  |  |  |  |  | 20250917 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681101 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $956.32 | $1380.33 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3620.76 | $1467.36 |  |  |  |  |  |  |  |  | 20251008 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681027 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7977.62 | $8865.24 | XX/XX/XXXX | 7.473% | $1808.30 | $2642.12 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2829.05 | 1 |  | X | $7701.00 | $2304.84 |  |  |  |  |  | 48.676% |  | 48.676% | 20250929 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 10/2024-09/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $7977.62 |  |  | 11000 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681028 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1583.03 | $1976.58 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $1137.60 | $3585.00 |  |  |  |  |  |  |  |  | 20251010 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.13 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 116 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681029 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1407.14 | $1635.57 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $1164.12 | $1577.04 |  |  |  |  |  |  |  |  | 20251010 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.36 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 124 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681031 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2061.37 | $2363.49 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1594.44 | $2031.00 |  |  |  |  |  |  |  |  | 20251020 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 31 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681032 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1246.02 | $1390.11 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $455.04 | $1274.04 |  |  |  |  |  |  |  |  | 20251014 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 732.36 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.15 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 54 |  | No |  | FALSE |  |  |  |  |  |  |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 7**

![](evolve-logo.jpg)

---

| |
|:---|
| **Business Purpose Data** |
| **Run Date - 11/21/2025 8:56:39 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **EIN Number** |
| 1681035 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 Yr Fixed 3 Yr PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3100 | 0.9 | 0.9 | $3446.71 |  |  |  | No |  |  | NO | $0.00 | $293.50 | $136.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 24 | 5 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 732 | 749 | 773 |  |  |  |  |  |  |  |  | Not Required |  | 20250424 |  | $XXXX | 1 | XXXX | XXXX | 4 | 3.1 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680817 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 4583 |  |  | 3208.34 | 1.29 | 1.29 | $2489.63 |  |  |  | Yes | $0.00 | Yes | YES | $967.94 | $298.51 | $97.59 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 67 | 4 | US Citizen |  | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20251002 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680105 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $15698.00 | $15698.00 | Other | Other | No |  | 0 |  |  | 15698 | 1.13 | 1.13 | $13876.03 | 20260731 | 12 | No | Yes | $100000.00 |  | NO | $0.00 | $2601.29 | $1044.53 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 17 | 1 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 741 | 729 | 776 |  |  |  |  |  |  |  |  | Employed |  | 20250731 |  | $XXXX | 5 | XXXX | XXXX | 7 | 5 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680820 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2750.00 | $2750.00 |  | 1025 | No |  | 0 |  |  | 2750 | 2.43 | 2.43 | $1129.62 | 20260829 | 12 |  | Yes | $30300.00 |  | NO | $0.00 | $27.42 | $178.58 | Stated, Verified | NO | 4 | 6 |  | No | No | Experienced | 14 | 0.9 | US Citizen |  | 740 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 736 | 740 | 751 |  |  |  |  |  |  |  |  | Not Required |  | 20250813 |  | $XXXX | 3 | XXXX | XXXX | 6 | 3 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680829 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $4675.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4675 | 1.34 | 1.34 | $3487.71 |  |  |  | Yes | $64700.00 |  | NO | $0.00 | $405.25 | $167.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 18 | 11 | US Citizen | US Citizen | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | 20250815 |  | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680107 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $10280.00 | $13050.00 | Other | Leases | No |  | 0 |  |  | 9763.5 | 1.16 | 1.16 | $8451.75 | 20150331 | 12 | Yes | Yes | $158800.00 |  | NO | $0.00 | $1065.95 | $254.58 | Stated, Verified | NO | 1 | 14 |  | No | No | Experienced | 20 | 25 | US Citizen | US Citizen | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | 20250819 |  | $XXXX | 5 | XXXX | XXXX | 12 | 6 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680844 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 2361 |  |  | 2360.9 | 1.1 | 1.1 | $2140.08 |  |  |  | Yes | $95400.00 |  | NO | $0.00 | $509.64 | $319.41 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 83 | 1 | US Citizen | US Citizen | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | 20250829 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680847 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $4790.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4790 | 0.91 | 0.91 | $5271.10 |  |  |  | Yes | $52872.00 |  | NO | $0.00 | $134.48 | $120.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 151 | 54 | US Citizen |  | 808 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250903 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1680849 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251001 | Bank Statement | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 33.667 |  | 0 | 0 | 0 | $2069.77 |  |  |  | Yes | $33600.00 |  | NO | $0.00 | $355.96 | $116.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 103 | 11 | Permanent Resident Alien |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250904 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681083 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 5779 |  |  | 5779 | 3.55 | 3.55 | $1628.18 |  |  |  | Yes | $22000.00 |  | YES | $210.00 | $195.14 | $92.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 19 | 4 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 816 | 793 | 790 |  |  |  |  |  |  |  |  | Employed |  | 20250904 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680850 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $2000.00 |  | 1025 | No |  | 0 |  |  | 2000 | 1.39 | 1.39 | $1440.55 |  |  |  | Yes | $33900.00 |  | NO | $0.00 | $97.30 | $142.14 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 36 | 9.9 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250905 | XX/XX/XXXX | $XXXX | 2 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680851 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $1200.00 | $1500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 900 | 1.06 | 1.06 | $846.28 | 20251231 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $84.24 | $64.83 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 100 | 9.1 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250905 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680856 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Full Doc: 30 - Year Fixed | 20251001 | Full | Yes | Yes | $0.00 | $5875.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 28.287 |  | 0 | 0 | 0 | $8675.55 |  |  |  | Yes | $70500.00 |  | YES | $17.83 | $267.51 | $91.33 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 110 | 1 | US Citizen | US Citizen | 795 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 757 | 787 | 786 | XXXX | XXXXX |  | US Citizen | Stated, Verified | 809 | 795 | 794 | Employed | Employed | 20250905 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680866 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $1475.00 | $1850.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1475 | 0.84 | 0.84 | $1748.74 | 20230430 | 1 |  | Yes | $0.00 | Yes | YES | $30.75 | $267.83 | $72.41 | Stated, Verified | NO | 3 | 11 |  | No | No | Experienced | 38 | 20 | US Citizen | US Citizen | 811 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250910 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680867 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2000.00 | $2100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2000 | 1.08 | 1.08 | $1857.18 | 20260730 | 12 |  | Yes | $0.00 | Yes | YES | $150.00 | $298.14 | $68.91 | Stated, Verified | NO | 3 | 11 |  | No | No | Experienced | 34 | 20 | US Citizen | US Citizen | 811 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250910 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680872 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20251001 | Full | Yes | No | $0.00 | $1500.00 | Other |  | No |  | 0 | 44.362 |  | 0 |  |  | $1149.26 |  |  |  | Yes | $18000.00 |  | NO | $0.00 | $45.76 | $205.24 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 6 | 0.8 | US Citizen |  | 664 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | 20250911 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680880 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4000 | 0.79 | 0.79 | $5077.88 |  |  |  | Yes | $55000.00 |  | NO | $0.00 | $822.58 | $382.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 12 | 38 | US Citizen |  | 795 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250911 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680888 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $5500.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 5500 |  |  | 4125 | 1.23 | 1.23 | $3356.08 |  |  |  | Yes | $51000.00 |  | YES | $815.00 | $143.83 | $96.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 31 | 3 | US Citizen |  | 743 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250915 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 0 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680889 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed Full Doc | 20251001 | Full | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 23.328 |  | 0 |  |  | $3053.46 |  |  |  | Yes | $0.00 | Yes | YES | $290.00 | $408.27 | $63.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 23 | 4 | US Citizen | US Citizen | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | 20250915 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680891 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 |  |  | Short Term Rental Documents | Yes | AirDNA | 13983 |  |  | 11186.67 | 1.4 | 1.4 | $8018.07 |  |  |  | Yes | $40000.00 |  | NO | $0.00 | $895.42 | $890.89 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 48 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 755 | 756 | 718 |  |  |  |  |  |  |  |  | Not Required |  | 20250916 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680901 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2300.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.13 | 1.13 | $1588.37 | 20270331 | 24 | No | Yes | $2500.00 |  | NO | $0.00 | $384.93 | $154.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 89 | 5.9 | US Citizen |  | 769 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250917 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680902 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.1 | 1.1 | $1540.85 |  |  |  | Yes | $31000.00 |  | YES | $265.00 | $46.67 | $111.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 111 | 15 | US Citizen |  | 694 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250917 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680914 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $1300.00 | $1250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1250 | 1.24 | 1.24 | $1010.20 | 20250401 | 12 |  | Yes | $15000.00 |  | NO | $0.00 | $72.92 | $49.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 89 | 17 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250918 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680916 | XXXX | XXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2250 | 1.09 | 1.09 | $2057.13 |  |  |  | Yes | $35000.00 |  | NO | $0.00 | $78.48 | $117.82 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 157 | 3 | US Citizen |  | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 798 | 789 | 802 |  |  |  |  |  |  |  |  | Employed |  | 20250918 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680932 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $0.00 | Other | Other | No | Appraiser STR Analysis | 3200 |  |  | 2400 | 0.64 | 0.64 | $3739.06 |  |  |  | Yes | $0.00 | Yes | YES | $373.00 | $339.67 | $110.67 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 40 | 3 | US Citizen |  | 732 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250922 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680937 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No | 1007/216 | 3600 |  |  | 3600 | 1.11 | 1.11 | $3236.29 |  |  |  | Yes | $32000.00 |  | YES | $806.00 | $616.31 | $135.87 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 70 | 3.6 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250924 |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680943 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | Yes | $4600.00 | $5000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4600 | 2.66 | 2.66 | $1728.54 | 20260731 | 12 | No | Yes | $70000.00 |  | NO | $0.00 | $283.06 | $235.34 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 67 | 4 | US Citizen | US Citizen | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 755 | 728 | 736 | XXXXX | XXXX |  | US Citizen | Stated, Verified | 796 | 786 | 786 | Not Required | Not Required | 20250923 |  | $XXXX | 2 | XXXX | XXXX | 4 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680947 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $1800.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.46 | 1.46 | $1236.38 | 20250701 | 1 |  | Yes | $25800.00 |  | NO | $0.00 | $208.33 | $175.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 92 | 5 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250924 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681084 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed 40yr 10YR IO | 20251001 | Debt Service Coverage | Yes | Yes | $2300.00 | $3200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2300 | 0.8 | 0.8 | $2888.94 | 20250401 | 12 |  | Yes | $32310.00 |  | NO | $0.00 | $318.42 | $56.85 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 107 | 6 | US Citizen |  | 820 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250924 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680949 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.05 | 1.05 | $1616.37 |  |  |  | Yes | $40000.00 |  | YES | $88.00 | $169.26 | $150.87 | Stated, Verified | NO | 1 |  |  | No | No | Inexperienced | 18 | 0 | US Citizen |  | 748 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 751 | 748 | 738 |  |  |  |  |  |  |  |  | Employed |  | 20250924 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681087 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | Yes | $12346.00 | $12853.00 | Other | Leases | No |  | 0 |  |  | 11918.67 | 1.42 | 1.42 | $8405.48 | 20260531 | 12 | Yes | Yes | $150000.00 |  | NO | $0.00 | $1562.50 | $772.10 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 14 | 20 | US Citizen | US Citizen | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | 20250925 | XX/XX/XXXX | $XXXX | 6 | XXXX | XXXX | 8 | 6 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680960 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $4200.00 | $5000.00 |  | Leases | No |  | 0 |  |  | 4200 | 1.2 | 1.2 | $3490.42 | 20261001 | 12 | No | Yes | $139400.00 |  | NO | $0.00 | $548.58 | $271.09 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 41 | 0.1 | US Citizen |  | 763 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250923 |  | $XXXX | 2 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680961 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $5600.00 |  | 1025 | No |  | 0 |  |  | 5600 | 1.39 | 1.39 | $4035.61 |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $500.53 | $312.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 16 | 0.1 | US Citizen |  | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250923 | XX/XX/XXXX | $XXXX | 3 | XXXX | XXXX | 8 | 3 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680966 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2700.00 | $2800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2700 | 1.14 | 1.14 | $2362.87 | 20260630 | 12 | No | Yes | $31420.00 |  | YES | $160.00 | $519.74 | $284.67 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 81 | 3 | US Citizen |  | 789 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250926 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1680971 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.2 | 1.2 | $1999.40 |  |  |  | Yes | $138000.00 |  | YES | $70.00 | $148.37 | $75.59 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 33 | 0 | US Citizen |  | 715 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250929 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680974 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2350.00 | $2100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2100 | 0.96 | 0.96 | $2182.96 | 20251130 | 1 |  | Yes | $32900.00 |  | NO | $0.00 | $259.17 | $164.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 48 | 10 | US Citizen |  | 703 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 658 | 739 | 703 |  |  |  |  |  |  |  |  | Not Required |  | 20250929 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680983 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1350 | 1.21 | 1.21 | $1111.45 |  |  |  | Yes | $8500.00 |  | NO | $0.00 | $42.58 | $71.41 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 10 | 6 | US Citizen |  | 807 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250930 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680984 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | 1.17 | 1.17 | $1107.23 |  |  |  | Yes | $10800.00 |  | NO | $0.00 | $226.63 | $134.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 18 | 3 | US Citizen |  | 723 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250930 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1680987 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | Yes | $1895.00 | $1895.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1895 | 1.03 | 1.03 | $1832.78 | 20260430 | 12 | No | Yes | $32370.00 |  | NO | $0.00 | $96.46 | $227.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 163 | 5 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 793 | 779 | 797 |  |  |  |  |  |  |  |  | Employed |  | 20250930 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681001 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | Other | Other | No | Other | 3500 |  |  | 2800 | 1.52 | 1.52 | $1844.73 |  |  |  | Yes | $20000.00 |  | YES | $761.00 | $192.78 | $88.60 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 69 | 8 | US Citizen |  | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 760 | 774 | 777 |  |  |  |  |  |  |  |  | Not Required |  | 20251003 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681006 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $4550.00 | $3004.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3004 | 0.76 | 0.76 | $3930.46 |  | 1 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $245.28 | $142.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 19 | 2 | US Citizen |  | 685 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 663 | 685 | 685 |  |  |  |  |  |  |  |  | Not Required |  | 20251003 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1680753 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $3800.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 5663 |  |  | 5662.5 | 1.04 | 1.04 | $5428.09 |  |  |  | Yes | $60000.00 |  | NO | $0.00 | $788.58 | $367.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 8 | 3 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | 20251008 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681101 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $1550.00 | $1550.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1550 | 1.12 | 1.12 | $1380.33 | 20251213 | 12 |  | Yes | $10000.00 |  | NO | $0.00 | $301.73 | $122.28 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 37 | 7.5 | US Citizen |  | 791 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 790 | 796 | 791 |  |  |  |  |  |  |  |  | Not Required |  | 20251009 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681028 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2225.00 | $2400.00 |  | Leases | No |  | 0 |  |  | 2225 | 1.13 | 1.13 | $1976.58 | 20250301 | 3 |  | Yes | $18900.00 |  | NO | $0.00 | $94.80 | $298.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 116 | 10 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 723 | 770 | 752 |  |  |  |  |  |  |  |  | Not Required |  | 20251013 |  | $XXXX | 2 | XXXX | XXXX | 4 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681029 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2225.00 | $2300.00 |  | Leases | No |  | 0 |  |  | 2225 | 1.36 | 1.36 | $1635.57 | 20250101 | 12 | No | Yes | $18900.00 |  | NO | $0.00 | $97.01 | $131.42 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 124 | 10 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 723 | 770 | 752 |  |  |  |  |  |  |  |  | Not Required |  | 20251013 |  | $XXXX | 2 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681031 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20251001 | Debt Service Coverage | Yes | Yes | $2900.00 | $2900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2900 | 1.23 | 1.23 | $2363.49 | 20271101 | 60 | No | No |  |  | NO | $0.00 | $132.87 | $169.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 31 | 2.7 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20251014 |  | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1681032 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | 1.15 | 1.15 | $1390.11 |  |  |  | Yes | $75000.00 |  | NO | $0.00 | $37.92 | $106.17 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 54 | 7 | US Citizen |  | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20251014 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08**

**EXECUTIVE SUMMARY**

EFMT 2025-NQM6

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Ellington Management Group, LLC. The Review was conducted from August 2025 to October 2025 on mortgage loans originated from August 2025 to September 2025.

The Review consisted of 100% of the population of 5 loans with an original aggregate loan balance of $6,621,910.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of Hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Verification of Borrower Original and Audit Credit Report (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
 Employment, if applicable

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Service Provider will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Service
 Provider will review applicable mortgage loans for compliance with the ATR and QM rule
 requirements based upon each mortgage loan's originator designation of QM, Non-QM,
 or exempt from ATR. (Service Provider determines the mortgage loan's status under
 the ATR or QM rule requirements and assigns a due diligence mortgage loan designation.
 Generally, Service Provider notes as a material exception if the due diligence findings
 do not confirm the originator's mortgage loan designation. Additionally, Service
 Provider notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Service
 Provider utilizes the following designations for applicable loans: QM designations: QM
 Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR
 Compliant, ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With
 respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Service Provider
 reviews the mortgage loan to determine whether, based on available information in the
 mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms
 (e.g. an interest only feature or negative amortization), (ii) the "points and
 fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately, (iv) the creditor considered and verified income or assets at or before
 consummation, (v) the creditor appropriately considered debt obligations, alimony and
 child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds
 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review
 includes a recalculation of all income and liabilities with attention to the appropriate
 documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Service Provider reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that satisfied the applicable requirements enumerated
 above, Service Provider then determines whether the mortgage loan is a Safe Harbor QM
 or QM Rebuttable Presumption by comparing the mortgage loan's actual annual percentage
 rate, as recalculated, to the applicable average prime offer rate plus a certain applicable
 percentage. The Review also includes determining, as applicable, whether a mortgage loan
 is a qualified mortgage as defined by the Department of Housing and Urban Development
 (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part
 36 et seq.).

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Service Provider then determines whether the mortgage loan complies with the ATR
 rule consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Service
 Provider reviews the mortgage loan to determine whether, based on available information
 in the mortgage loan file, the creditor considered, as applicable, the following eight
 underwriting factors, and will verify such information using reasonably reliable third-party
 records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 will include a review of the valuation materials utilized during the origination of the
 loan and in confirming the value of the underlying property. The review will include
 verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, review will (a) review the relative comparable
 data (gross and net adjustments, sale dates and distance from subject property) and ensure
 that such comparable properties are within standard appraisal guidelines; (b) confirm
 the property value and square footage of the subject property was bracketed by comparable
 properties, (c verify that comparable properties used are similar in size, style, and
 location to the subject, and (d) check for the reasonableness of adjustments when reconciling
 value between the subject property and comparable properties.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of the review include (i) verifying that the address matched the mortgage note,
 ((ii) if requested, noting whether the property zip code was declared a FEMA disaster
 area after the valuation date and notifying the Client of same, (iii) confirming the
 appraisal report does not include any apparent environmental problems, (iv) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (v) reviewing pictures to ensure (a) that the property is in average
 or better condition and any repairs are noted where required and (b) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (vi) confirming that the value product that was used as part of
 the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, reviewer will confirm consistency among the valuation
 products and if there are discrepancies that could not be resolved, MaxDiligence will
 create an exception and work with the client on the next steps which may include ordering
 of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in the
 review result in a variance of more than 10% then the client will be notified of such
 variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 will confirm to the extent possible, that the appraiser and the appraisal made by such
 appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence
 will review the appraisal for conformity to industry standards, including ensuring the
 appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, excluding investment properties, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Compliance review excludes business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to Service Provider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) Business Days from the application date, and
 at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) Business Days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) Business Days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to Service
 Provider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) Business Days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) Business Day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● Note: Where available, Service Provider reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Service Provider's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

&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

![](ex9908001.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. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) Business Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&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

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) 
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) Business Days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of state, county and municipal laws and ordinances
 with respect to "high-cost" mortgage loans, "covered" mortgage
 loans, "higher-priced" mortgage loans, "home" mortgage loans
 or any other similarly designated mortgage loan as defined under such authorities, or
 subject to any other laws that were enacted to combat predatory lending, as may have
 been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 Service Provider will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher with 80.00% of the pool receiving an Overall "A" grade.

![](ex9908001.jpg)

**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;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &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;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &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%** |

---

**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").

![](ex9908001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;FEMA Declared Disaster Area Post Closing Review | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;***Total Compliance (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 loan (by loan count) had a total of 1 different tape discrepancies across 1 data field (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |

---

![](ex9908001.jpg)

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

![](ex9908001.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 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **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** |
| 2081053 |  |  | XXXX | XXXX | XXXX FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5531594 | 1 of 4 | 2025-09-15 08:59 | 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>|  |  |  |  | 2025-09-15 08:59 | Cleared | 1 | 1 | 3 | 1 |
| 2081053 |  |  | XXXX | XXXX | XXXX FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5531599 | 2 of 4 | 2025-09-15 09:01 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate documentation for the additional $XXXX/mo. expenses for the borrowers vacating property. <br>|  | Document Uploaded. Per our underwriter: 'The $XXXX was added in error. We have a mortgage statement showing the tax and insurance are escrowed with the payment. When the mortgage statement was received, the tax and estimated HOI payment should have been removed. I have removed the $XXXX and attached a corrected 1008/1003.' - 09/17/2025 | Received explanation, along with revised 1008 and 1003. No issue with DTI. - 09/18/2025<br>|  | 2025-09-18 17:28 | Resolved | 3 | 1 | 3 | 1 |
| 2081053 |  |  | XXXX | XXXX | XXXX FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5534146 | 3 of 4 | 2025-09-15 14:05 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-15 14:05 | Cleared | 1 | 1 | 3 | 1 |
| 2081053 |  |  | XXXX | XXXX | XXXX FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5556961 | 4 of 4 | 2025-09-16 17:55 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. <br>|  | Document Uploaded. - 09/17/2025<br>| Received XXXX reflecting all alerts cleared. - 09/18/2025<br> All Fraud Report Alerts have been cleared or None Exist - 09/18/2025 |  | 2025-09-18 17:13 | Resolved | 3 | 1 | 3 | 1 |
| 2075310 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5366564 | 1 of 4 | 2025-08-29 19:25 | Credit | FEMA Declared Disaster Area Post Closing Review | The subject property was located in a XXXX declared disaster area. Post closing property inspection report required. Incident Period:XXXX/Declaration Date: XXXX<br> Appraisal date: XXXX<br>|  | Zip Code XXXX was included in the XXXX which has a XXXX Disaster End Date of XXXX. The first appraisal report is dated XXXX while the second appraisal report is also dated XXXX. Both appraisal reports are dated after the XXXX Disaster End Date of XXXX. - 09/05/2025 | Per further review subject property county not listed in disaster area. XXXX county only. - 09/08/2025 |  | 2025-09-08 15:02 | Resolved | 3 | 1 | 4 | 1 |
| 2075310 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5366693 | 2 of 4 | 2025-08-29 19:35 | 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>|  |  |  |  | 2025-08-29 19:35 | Cleared | 1 | 1 | 4 | 1 |
| 2075310 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5380434 | 3 of 4 | 2025-09-02 16:05 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-02 16:05 | Cleared | 1 | 1 | 4 | 1 |
| 2075310 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5383871 | 4 of 4 | 2025-09-02 19:21 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap credit: A gap credit report is required 10 days before closing or anytime after closing. <br>|  | Document Uploaded. - 09/05/2025 <br>Document Uploaded. - 09/05/2025 <br>Document Uploaded. - 09/05/2025<br>| documentation meet requirements - 09/08/2025<br>Borrower 1 Gap Credit Report is not missing. - 09/05/2025<br>documentation meet requirements - 09/05/2025<br>|  | 2025-09-08 14:52 | Resolved | 4 | 1 | 4 | 1 |
| 2075308 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5350511 | 1 of 3 | 2025-08-28 17:51 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-28 17:51 | Cleared | 1 | 1 | 1 | 1 |
| 2075308 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5356182 | 2 of 3 | 2025-08-29 01:00 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-29 01:00 | Cleared | 1 | 1 | 1 | 1 |
| 2075308 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5363949 | 3 of 3 | 2025-08-29 17:15 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-29 17:15 | Cleared | 1 | 1 | 1 | 1 |
| 2089948 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5890622 | 1 of 7 | 2025-10-14 18:00 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-14 18:00 | Cleared | 1 | 1 | 3 | 2 |
| 2089948 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5939945 | 2 of 7 | 2025-10-18 12:54 | 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>|  |  |  |  | 2025-10-18 12:54 | Cleared | 1 | 1 | 3 | 2 |
| 2089948 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5941188 | 3 of 7 | 2025-10-19 11:17 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset does not meet G/L Requirements. XXXX $XXXX has no identification information on the document in file. Provide documentation to validate borrower ownership of account. <br>|  | Document Uploaded. Per our underwriter: 'Regarding the XXXX asset, that should not have been included as it was not needed for reserves. I have removed this asset and attached an updated XXXX Form 1008 showing over 12 months reserves.' - 10/25/2025 | Asset 4 Meets Guideline Requirements Or Not Applicable - 10/27/2025<br>documentation meet requirements - 10/27/2025<br>|  | 2025-10-27 16:17 | Resolved | 3 | 1 | 3 | 2 |
| 2089948 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5941198 | 4 of 7 | 2025-10-19 11:33 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. RESTRICTIONS FOR NON-ARM'S-LENGTH<br> • Primary residences only.<br> • Borrower to provide a canceled check verifying the earnest money deposit.<br> • Maximum LTV/CLTV of 80%. <br>|  | Document Uploaded. - 10/25/2025<br>| Per guidelines- RESTRICTIONS FOR NON-ARM'S-LENGTH • Primary residences only. • Borrower to provide a canceled check verifying the earnest money deposit. • Maximum LTV/CLTV of 80%. A formal exception is in file. - 10/27/2025<br>| FICO 747, asset reserves 17 months, >$XXXX residual income | 2025-10-27 16:27 | Waived | 3 | 2 | 3 | 2 |
| 2089948 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5941199 | 5 of 7 | 2025-10-19 11:33 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. RESTRICTIONS FOR NON-ARM'S-LENGTH<br> • Primary residences only.<br> • Borrower to provide a canceled check verifying the earnest money deposit.<br> • Maximum LTV/CLTV of 80%. <br>|  | Document Uploaded. - 10/25/2025<br>| Per guidelines- RESTRICTIONS FOR NON-ARM'S-LENGTH • Primary residences only. • Borrower to provide a canceled check verifying the earnest money deposit. • Maximum LTV/CLTV of 80%. A formal exception is in file. - 10/27/2025<br>| FICO 747, asset reserves 17 months, >$XXXX residual income | 2025-10-27 16:26 | Waived | 3 | 2 | 3 | 2 |
| 2089948 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5941200 | 6 of 7 | 2025-10-19 11:33 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. RESTRICTIONS FOR NON-ARM'S-LENGTH<br> • Primary residences only.<br> • Borrower to provide a canceled check verifying the earnest money deposit.<br> • Maximum LTV/CLTV of 80%. <br>|  | Document Uploaded. - 10/25/2025<br>| Per guidelines- RESTRICTIONS FOR NON-ARM'S-LENGTH • Primary residences only. • Borrower to provide a canceled check verifying the earnest money deposit. • Maximum LTV/CLTV of 80%. A formal exception is in file. - 10/27/2025<br>|  | 2025-10-27 16:22 | Resolved | 3 | 1 | 3 | 2 |
| 2089948 |  |  | XXXX | XXXX | XXXX CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5941206 | 7 of 7 | 2025-10-19 11:36 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Did not locate exception in file for non-arms length purchase per guidelines below, as documentation required is not in file. Appraisal also states non-arms length as borrower is purchasing home currently renting.<br> ELIGIBLE NON-ARM'S LENGTH<br> • Buyer(s)/Borrower(s) represent themselves as agents in real estate transactions.<br> • Originator(s) represent themselves as an agent in real estate transactions.<br> • Renter(s) purchasing from a landlord.<br> o 24 months of canceled checks to prove timely payments are required.<br> o A verification of rent (VOR) is not acceptable. <br>|  | Document Uploaded. - 10/25/2025<br>| Per guidelines-ELIGIBLE NON-ARM'S LENGTH • Buyer(s)/Borrower(s) represent themselves as agents in real estate transactions. • Originator(s) represent themselves as an agent in real estate transactions. • Renter(s) purchasing from a landlord. o 24 months of canceled checks to prove timely payments are required. o A verification of rent (VOR) is not acceptable. A formal exception is in file. - 10/27/2025<br>| FICO 747, asset reserves 17 months, >$XXXX residual income | 2025-10-27 16:07 | Waived | 3 | 2 | 3 | 2 |
| 2075307 |  |  | XXXX | XXXX | XXXX NJ | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5336530 | 1 of 3 | 2025-08-27 17:59 | 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>|  |  |  |  | 2025-08-27 17:59 | Cleared | 1 | 1 | 3 | 1 |
| 2075307 |  |  | XXXX | XXXX | XXXX NJ | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5342144 | 2 of 3 | 2025-08-28 03:56 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The desk review in file reflects a value of $XXXX. The loan was approved using the appraised value of $XXXX. Using the lower value, the LTV is 80.36%. <br>|  | Document Uploaded. - 08/29/2025<br>| Audited LTV of 72.58% is less than or equal to Guideline LTV of 80% - 09/03/2025<br>|  | 2025-09-03 02:31 | Resolved | 3 | 1 | 3 | 1 |
| 2075307 |  |  | XXXX | XXXX | XXXX NJ | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5349492 | 3 of 3 | 2025-08-28 16:50 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-28 16:50 | Cleared | 1 | 1 | 3 | 1 |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 2**

![](maxwell-logo.jpg)

Client Elllington Management <br> Transaction EFMT 2025-NQM6 <br> Date 11/19/2025

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2081053 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2075310 |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| 2075308 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 2089948 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 2075307 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2081053 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2075310 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0307 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0307 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| 2075308 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2089948 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 2075307 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.58 | 72.58 | XXXX | XXXX | -.0968 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0968 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 274 | 275 | 276 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 | 315 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** | **Property Location** |
| 2081053 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 10043.20 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.469% |  | 8.125% | 8.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  | 36.45% | 36.45% | 36.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.5 | XXXX | 12.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX FL | XXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 5.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 2075310 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 1790.00 | XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.297% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  | 34.51% | 31.94% | 31.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.2 | XXXX | 41.4 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX CA | XXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 10.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 2075308 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.571% |  | 7.500% | 7.500% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX CA | XXXX |  | Monthly | 20.81% | 20.81% | 20.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport | CA | United States | XXXX | USA | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.2 | XXXX | 7.2 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX CA | XXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 14.50 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 2089948 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.516% |  | 7.500% | 7.500% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  | 14.92% | 14.92% | 14.92% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | Yes | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | NM | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.6 | XXXX | 17.6 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX CA | XXXX | XXXX | XXXX CA | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | N/A - Not investment property | 8.00 | 8 |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 2075307 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 10790.00 | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.014% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  | 39.03% | 39.03% | 39.03% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX NJ | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | NJ | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License | NJ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 22.2 | No | 72.58 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed |  | Cash Out - Other | XXXX | XXXX NJ | XXXX | XXXX | XXXX NJ | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 14.00 |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2075307 |  |  | Application Date | XXXXXX | XXXXXX | verified with initial application |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09**

![](ex9909001.jpg)

EFMT 2025-NQM6

Ellington Management Group, LLC

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**November 21, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of 56 loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who are a clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains seventeen (17) ATR/QM Exempt loans, all of which are DSCR, and thirty-nine (39) NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Credit Review** 

**Credit Qualification** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review** 

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs** 

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs** 

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as need basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance** 

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"1 disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 review of the 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 initial TIL disclosure and final TIL disclosures were 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines; ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to 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;iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

1 These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

5. 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: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; 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;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1. **<u>For Agency Eligible Loans Only</u>**: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, 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, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3. **<u>For Non-Agency Eligible Loans</u>**: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&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. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant 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. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 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;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant 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 percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment 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;&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. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Monthly payment on any simultaneous loans secured by the 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;&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. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Debts, alimony, and child support 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a) Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client,

or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b) Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:** 

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)** 

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)** 

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

● California Higher-Priced Mortgage Loan Statute, 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., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by H <u>ous</u> e Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● 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, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practic <u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u> 9 <u>.03.</u> 06.01 et seq.

● Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, 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 from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>le</u> m <u>en</u> ted by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>na</u> n <u>ce,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the

● Oklahoma Consumer Credit Code.

● Oklahoma Higher-Pr <u>ic</u> ed 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.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen <u>c</u> y Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), 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 on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

**Flood Insurance Testing** 

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)** 

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as

a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values** 

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (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.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.** 

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Addreess

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9909002.jpg)

![](ex9909003.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**56** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were two (2) obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated November 21, 2025.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;67.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;32.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;80.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;19.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;82.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;17.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &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;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P** **NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;37.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P** **NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;80.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;19.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P** **NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;82.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;17.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Property Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P** **NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (56)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;2082167 | &nbsp;&nbsp;2082065 | &nbsp;&nbsp;2084087 | &nbsp;&nbsp;2088846 | &nbsp;&nbsp;2088841 | &nbsp;&nbsp;2091279 |
| &nbsp;&nbsp;2076484 | &nbsp;&nbsp;2086430 | &nbsp;&nbsp;2084080 | &nbsp;&nbsp;2088844 | &nbsp;&nbsp;2088853 | &nbsp;&nbsp;2091285 |
| &nbsp;&nbsp;2076482 | &nbsp;&nbsp;2082066 | &nbsp;&nbsp;2084083 | &nbsp;&nbsp;2088842 | &nbsp;&nbsp;2088851 | &nbsp;&nbsp;2091282 |
| &nbsp;&nbsp;2076483 | &nbsp;&nbsp;2082070 | &nbsp;&nbsp;2086434 | &nbsp;&nbsp;2088849 | &nbsp;&nbsp;2091286 | &nbsp;&nbsp;2091276 |
| &nbsp;&nbsp;2077473 | &nbsp;&nbsp;2082073 | &nbsp;&nbsp;2086438 | &nbsp;&nbsp;2088847 | &nbsp;&nbsp;2091287 | &nbsp;&nbsp;2091278 |
| &nbsp;&nbsp;2077472 | &nbsp;&nbsp;2082072 | &nbsp;&nbsp;2086433 | &nbsp;&nbsp;2088848 | &nbsp;&nbsp;2091277 | &nbsp;&nbsp;2091281 |
| &nbsp;&nbsp;2077475 | &nbsp;&nbsp;2082067 | &nbsp;&nbsp;2086432 | &nbsp;&nbsp;2088840 | &nbsp;&nbsp;2091283 |  |
| &nbsp;&nbsp;2079333 | &nbsp;&nbsp;2082069 | &nbsp;&nbsp;2086437 | &nbsp;&nbsp;2088854 | &nbsp;&nbsp;2091275 |  |
| &nbsp;&nbsp;2079337 | &nbsp;&nbsp;2082074 | &nbsp;&nbsp;2088843 | &nbsp;&nbsp;2088850 | &nbsp;&nbsp;2091284 |  |
| &nbsp;&nbsp;2079338 | &nbsp;&nbsp;2091393 | &nbsp;&nbsp;2088845 | &nbsp;&nbsp;2088852 | &nbsp;&nbsp;2091280 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 2082167 |  | Closed | 2025-08-13 09:53 | 2025-11-11 13:34 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/11/2025 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Unable to determine CU score due to missing 2nd page of UCDP report. - Due Diligence Vendor-11/11/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/11/2025 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Unable to determine CU score due to missing 2nd page of UCDP report. - Due Diligence Vendor-11/11/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX | 2082167 |  | Closed | 2025-08-12 09:41 | 2025-08-20 13:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-LE and COC received. Finding resolved. - Due Diligence Vendor-08/20/2025 <br> Resolved- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Counter-Received CDs dated X/XX and X/XX and COC dated X/XX, X/XX and X/XX. Also received the initial LE already reviewed. Missing LE dated XX/XX/XXXX that corresponds with the COC with the same date. Finding remains. - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <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, Appraisal Fee, Credit Report 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 Discount point increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 |  | Resolved-LE and COC received. Finding resolved. - Due Diligence Vendor-08/20/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2082167 |  | Closed | 2025-08-12 09:41 | 2025-08-20 13:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-LE and COC received. Finding resolved. - Due Diligence Vendor-08/20/2025 <br> Resolved- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Counter-Received CDs dated X/XX and 7X/XX and COC dated X/XX, X/XX and X/XX. Also received the initial LE already reviewed. Missing LE dated XX/XX/XXXX that corresponds with the COC with the same date. Finding remains. - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee, Credit Report 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects a discount point of $X,XXX.XX. Final CD dated XX/XX/XXXX reflects a discount point of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 |  | Resolved-LE and COC received. Finding resolved. - Due Diligence Vendor-08/20/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2082167 |  | Closed | 2025-08-12 09:41 | 2025-08-20 13:40 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received CDs dated X/XX and X/XX and COC dated X/XX, X/XX and X/XX. Also received the initial LE already reviewed. Finding cleared. - Due Diligence Vendor-08/20/2025 <br> Resolved-Received CDs dated X/XX and X/XX and COC dated X/XX, X/XX and X/XX. Also received the initial LE already reviewed. Finding cleared. - Due Diligence Vendor-08/19/2025 <br> Resolved- - Due Diligence Vendor-08/19/2025 <br> Counter-Initial LE was uploaded. Please upload the Initial CD. Thank you - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XXX). Three business days before the consummation date is (XXXX-XX-XXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 |  | Resolved-Received CDs dated X/XX and X/XX and COC dated X/XX, X/XX and X/XX. Also received the initial LE already reviewed. Finding cleared. - Due Diligence Vendor-08/20/2025 <br> Resolved-Received CDs dated 6X/XXand X/XXand COC dated X/XX, X/XX and X/XX. Also received the initial LE already reviewed. Finding cleared. - Due Diligence Vendor-08/19/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2082167 |  | Closed | 2025-08-12 08:49 | 2025-08-14 08:58 | Resolved | 1 - Information | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Resolved-Loan profile meets XXXX guides. Finding resolved. - Due Diligence Vendor-08/14/2025 <br> Open-Purchase is not considered to be an Arm's Length Transaction . According to the appraisal the transaction is not reported to the MLS and is a sale between friends. - Due Diligence Vendor-08/13/2025 |  | Resolved-Loan profile meets FNMA guides. Finding resolved. - Due Diligence Vendor-08/14/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2082167 |  | Closed | 2025-08-12 09:41 | 2025-08-13 10:19 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A Lender exception was requested to proceed with unverifiable Housing History. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/12/2025 |  | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A Lender exception was requested to proceed with unverifiable Housing History. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/12/2025<br>| XXXX |  | 1.Reserves of 12+ months vs min 6 months <br> 2.Credit depth 14 tradelines, oldest XXXX, all 0x30 <br> 3.Residual income $Xk  | XX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 2076482 |  | Closed | 2025-08-21 00:39 | 2025-08-28 10:37 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided Rate Lock. Finding Resolved. - Due Diligence Vendor-08/25/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/25/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/21/2025 |  | Resolved-Lender provided Rate Lock. Finding Resolved. - Due Diligence Vendor-08/25/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/25/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2076482 |  | Closed | 2025-08-21 01:23 | 2025-08-26 10:38 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided PCCD and proof of refund. Proof of delivery not required as cure is less than $XX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025 <br> Open- - Due Diligence Vendor-08/26/2025 <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: Credit Report 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 credit report fee increased on the CD dated 07/30/2025 without a valid COC. The file contains an Initial LE dated X/XX and a final CD dated X/XX. Provide all Loan Estimates, Closing disclosures, and COCs that were provided to the borrower. Additional conditions may apply. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Cured-Lender provided PCCD and proof of refund. Proof of delivery not required as cure is less than $XX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2076482 |  | Closed | 2025-08-21 01:23 | 2025-08-26 09:45 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided PCCD and proof of refund. Proof of delivery not required as cure is less than $XX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025 <br> Open- - Due Diligence Vendor-08/26/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The credit report fee increased on the CD dated XX/XX/XXXX without a valid COC. The file contains an Initial LE dated X/XX and a final CD dated X/XX. Provide all Loan Estimates, Closing disclosures, and COCs that were provided to the borrower. Additional conditions may apply. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 |  | Cured-Lender provided PCCD and proof of refund. Proof of delivery not required as cure is less than $XX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2076482 |  | Closed | 2025-08-21 05:04 | 2025-08-26 09:40 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided initial CD and PCCD. Condition cleared. - Due Diligence Vendor-08/26/2025 <br> Open-The file contains an Initial LE dated X/XX and a final CD dated X/XX. Provide all Loan Estimates, Closing disclosures, and COCs that were provided to the borrower. Additional conditions may apply. - Due Diligence Vendor-08/21/2025 |  | Resolved-Lender provided initial CD and PCCD. Condition cleared. - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2076482 |  | Closed | 2025-08-21 01:38 | 2025-08-26 09:40 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Lender provided initial CD and PCCD. Condition cleared. - Due Diligence Vendor-08/26/2025 <br>Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date. - Due Diligence Vendor-08/21/2025 |  | Resolved-Lender provided initial CD and PCCD. Condition cleared. - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2076483 |  | Closed | 2025-08-22 05:36 | 2025-11-11 13:33 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Preclose exception approval in the loan file with compensating factors supports acknowledgment of tradeline deficiency. Finding Acknowledged. - Due Diligence Vendor-11/11/2025 <br> Waived-Lender provided exception approval. Finding Waived - Due Diligence Vendor-09/10/2025 <br> Acknowledged-Preclose exception approval in the loan file with compensating factors supports acknowledgment of tradeline deficiency. Finding Acknowledged. - Due Diligence Vendor-08/26/2025 <br> Counter-TPO captured the assets from XXXX Checking $X,XXX.XX Stmt XX/XX-XX/XX. XXXX Checking and XXXX Checking were not used. If we include both accounts the ending balances total $X,XXX.XX. Is there a bank statement we are missing?<br> - Due Diligence Vendor-08/26/2025 <br> Ready for Review-There is an additional $29,381 being subtracted from reserves that shouldn't be. Please advise as to why that is because that is shorting the borrower. I will be getting an updated exception once the figures are more accurate. - Buyer-08/25/2025 <br> Open-As per Guidelines section 6.3, a minimum of three tradelines reporting for 12 months is required. The borrower has only one tradeline. A lender exception is present in the loan file and is dated prior to consummation, however, the compensating factors are not valid. The borrower has $X,XXX.XX for reserves not $X,XXX.XX. Provide a corrected approved Lender exception. - Due Diligence Vendor-08/22/2025 |  | Waived-Preclose exception approval in the loan file with compensating factors supports acknowledgment of tradeline deficiency. Finding Acknowledged. - Due Diligence Vendor-11/11/2025 <br>Waived-Lender provided exception approval. Finding Waived - Due Diligence Vendor-09/10/2025 <br>Acknowledged-Preclose exception approval in the loan file with compensating factors supports acknowledgment of tradeline deficiency. Finding Acknowledged. - Due Diligence Vendor-08/26/2025<br>| XXXX |  | 1. Reserves 9 months vs min 3 months <br> 2.LTV 80% vs max 85% <br> 3.DTI <30% vs max 50% <br> 4.Self-employed 7 years | XX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 2076483 |  | Closed | 2025-08-22 05:38 | 2025-08-26 13:59 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Lender provided disclosure tracking with proof of initial disclosure date and receipt. Finding Resolved. - Due Diligence Vendor-08/26/2025 <br> Counter-TPO captured the assets from XXXX Checking $X,XXX.XX Stmt XX/XX-XX/XX. XXXX Checking & XXXX Checking were not used. If we include both accounts the ending balances total $X,XXX.XX. Is there a bank statement missing?<br> - Due Diligence Vendor-08/26/2025 <br> Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date. Provided compliance report showing incorrect consummation date - Due Diligence Vendor-08/22/2025 |  | Resolved-Lender provided disclosure tracking with proof of initial disclosure date and receipt. Finding Resolved. - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2076483 |  | Closed | 2025-08-22 05:37 | 2025-08-25 08:31 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | RESPA: Toolkit Not Provided Timely | Acknowledged-Provided toolkit does not have date. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/22/2025 |  | Acknowledged-Provided toolkit does not have date. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/22/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2076483 |  | Closed | 2025-08-22 05:30 | 2025-08-22 05:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/22/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/22/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2077473 |  | Closed | 2025-09-12 09:37 | 2025-09-16 14:21 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-09/16/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/15/2025 <br>Open-TRID: Missing Final Closing Disclosure The Final CD is missing page 2 of 5.<br> - Due Diligence Vendor-09/12/2025 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-09/16/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 2077472 |  | Closed | 2025-09-18 07:30 | 2025-09-19 12:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/19/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/19/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.X is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/19/2025 <br>Resolved-Resolved - Due Diligence Vendor-09/19/2025<br>| XXXX |  |  | XX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2077472 |  | Closed | 2025-09-18 07:30 | 2025-09-19 12:21 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/19/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/19/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <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: Credit Report 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 loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.X is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/19/2025 <br>Resolved-Resolved - Due Diligence Vendor-09/19/2025<br>| XXXX |  |  | XX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2077475 |  | Closed | 2025-09-17 09:15 | 2025-09-22 16:46 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Lender provided evidence of appraisal disclosure. Condition cleared. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Counter-The borrower must ultimately receive the final signed appraisal at least 3 business days prior to close. Without such evidence, the file documents only the delivery of a draft appraisal, which fails to meet regulatory requirements. Condition remains open. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Update was just adding Seller Concession, value didn't change, just a clerical fix, please rescind the following findings. - Buyer-09/22/2025 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025<br>| Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Lender provided evidence of appraisal disclosure. Condition cleared. - Due Diligence Vendor-09/22/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2077475 |  | Closed | 2025-09-17 09:15 | 2025-09-22 14:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Update was just adding Seller Concession, value didn't change, just a clerical fix, please rescind the following findings. - Seller-09/22/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/17/2025 | Ready for Review-Update was just adding Seller Concession, value didn't change, just a clerical fix, please rescind the following findings. - Seller-09/22/2025<br>| Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/22/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2077475 |  | Closed | 2025-09-17 05:04 | 2025-09-22 13:09 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/19/2025 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-09/17/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/22/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2077475 |  | Closed | 2025-09-17 05:04 | 2025-09-22 13:08 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-09/22/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2079333 |  | Closed | 2025-09-24 12:19 | 2025-09-29 13:43 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Updated evidence of most recent delivery provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/25/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-09/24/2025 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Updated evidence of most recent delivery provided. - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2079333 |  | Closed | 2025-09-24 11:21 | 2025-09-29 13:43 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal deliver - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2079333 |  | Closed | 2025-09-26 11:31 | 2025-09-29 13:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Please waive - Buyer-09/27/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/26/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2079333 |  | Closed | 2025-09-24 11:25 | 2025-09-26 11:25 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Invoice provided. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/25/2025 <br>Open-Guidelines require a copy of the original lender invoice for the appraisal when it is transferred to a new lender. The invoice is missing from the loan file. - Due Diligence Vendor-09/24/2025 |  | Resolved-Invoice provided. - Due Diligence Vendor-09/26/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2079337 |  | Closed | 2025-09-26 12:21 | 2025-09-29 13:48 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/27/2025 <br>Open-Appraisal was transferred. Per Guidelines, appraisal invoice is needed; however, it is missing from loan file. - Due Diligence Vendor-09/26/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/29/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2082065 |  | Closed | 2025-09-30 09:26 | 2025-10-02 08:53 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Please waive - Buyer-10/01/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal in file was signed by the appraiser on XX/XX/XXXX, and the verification of appraisal receipt in file is dated XX/XX/XXXX. The borrower must ultimately receive the final signed appraisal at least 3 business days prior to close. Without such evidence, the file documents only the delivery of a draft appraisal, which fails to meet regulatory requirements. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/30/2025 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/02/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2086430 |  | Closed | 2025-09-30 06:45 | 2025-10-16 08:40 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/16/2025 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/16/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086430 |  | Closed | 2025-09-30 07:42 | 2025-10-07 07:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/06/2025 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Borrower currently on rent and there is no proof VOR with 12 months cancelled are not provided. Only provided lox stating no lease agreement between the landlord and borrower and rent was paid by cash monthly. Exception provided however it is not cleared. Please provided a complete exception or need VOR along with 12 months cancelled checks - Due Diligence Vendor-09/30/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/07/2025<br>| Exception.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086430 |  | Closed | 2025-09-30 07:07 | 2025-10-07 07:56 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br>Resolved-Audited Reserves of 6 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/07/2025 <br>Ready for Review-There was a PCCD issued and a lender credit which reduced the cash to close and increased their reserves above the 6 monhts. - Buyer-10/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/06/2025 <br>Open-Audited Reserves of 5.97 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/30/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br>Resolved-Audited Reserves of 6 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/07/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086430 |  | Closed | 2025-09-30 06:59 | 2025-10-07 07:56 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/07/2025 <br> Ready for Review-There was a PCCD issued and a lender credit which reduced the cash to close and increased their reserves above the 6 monhts. - Seller-10/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/06/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $26860.86 is less than Total Required Reserve Amount of $27014.7 - Due Diligence Vendor-09/30/2025 | Ready for Review-There was a PCCD issued and a lender credit which reduced the cash to close and increased their reserves above the 6 monhts. - Seller-10/06/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/07/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086430 |  | Closed | 2025-09-30 06:17 | 2025-10-07 07:44 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086430 |  | Closed | 2025-09-30 06:17 | 2025-10-07 07:44 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Resolved-E-Consent documentation for borrower(s) provided. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086430 |  | Closed | 2025-09-30 06:17 | 2025-10-07 07:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Open-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/07/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2086430 |  | Closed | 2025-09-30 07:42 | 2025-10-07 07:38 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower currently on rent and there is no proof VOR with 12 months cancelled are not provided. Only provided lox stating no lease agreement between the landlord and borrower and rent was paid by cash monthly. Exception provided however it is not cleared. Please provided a complete exception or need VOR along with 12 months cancelled checks - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/07/2025<br>| Exception.pdf |  | DTI 27% < 50% Max<br> FICO 692 > 660 Min<br> Borrower owns 2nd business for > 5 years | XX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 2082066 |  | Closed | 2025-09-30 09:27 | 2025-10-02 08:41 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/02/2025 <br> Cured-The disclosed finance charge ($X,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The lender provided tolerance cure to borrower and an updated Post Closing Disclosure. Condition cured. - Due Diligence Vendor-10/02/2025 <br> Open- - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/01/2025 <br> Open- - Due Diligence Vendor-10/01/2025 <br> Open-The disclosed finance charge ($X,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include the Loan Tie In in the amount of $XXX in the calculation. - Due Diligence Vendor-09/30/2025 <br> Open- - Due Diligence Vendor-09/30/2025 <br> Open- - Due Diligence Vendor-09/30/2025 <br> Open- - Due Diligence Vendor-09/30/2025 |  | Cured-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/02/2025 <br> Cured-The disclosed finance charge ($X,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The lender provided tolerance cure to borrower and an updated Post Closing Disclosure. Condition cured. - Due Diligence Vendor-10/02/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2082066 |  | Closed | 2025-09-30 09:39 | 2025-10-01 16:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Please waive - Buyer-10/01/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/30/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2082072 |  | Closed | 2025-10-02 13:44 | 2025-10-06 12:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Please waive - Buyer-10/06/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 9/24/2025 is after the Primary Appraisal Delivery Date of XX/XX/XXXX.This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/02/2025 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-10/06/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2082067 |  | Closed | 2025-10-03 16:28 | 2025-10-06 08:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Please Waive - Buyer-10/04/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/03/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-10/06/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2082069 |  | Closed | 2025-10-02 10:02 | 2025-10-03 10:51 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/02/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The file is missing copy of the appraisal invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-10/02/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/03/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2082074 |  | Closed | 2025-10-03 07:01 | 2025-10-06 09:32 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-10/03/2025 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/03/2025 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/06/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2084087 |  | Closed | 2025-10-07 09:11 | 2025-10-10 11:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Please waive - Buyer-10/10/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 09/22/2025 is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/07/2025 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/10/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2084087 |  | Closed | 2025-10-06 09:38 | 2025-10-07 15:18 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/07/2025 <br>Open-Appraisal was transferred. As per GLs Copy of the invoice submitted to the original lender with outstanding balance is required however it was missing on file - Due Diligence Vendor-10/06/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/07/2025<br>| Appraisal Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2084080 |  | Closed | 2025-10-08 12:00 | 2025-10-09 12:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/09/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/09/2025 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower currently on rent and there is no proof VOR with 12 months cancelled are not provided. Only provided lox stating canceled checks are not accepted. Please provided a complete exception or need VOR along with 12 months cancelled checks<br> - Due Diligence Vendor-10/08/2025 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/09/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/09/2025<br>| Exception.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2084080 |  | Closed | 2025-10-08 12:00 | 2025-10-09 12:52 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/09/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower currently on rent and there is no proof VOR with 12 months cancelled are not provided. Only provided lox stating canceled checks are not accepted. Please provided a complete exception or need VOR along with 12 months cancelled checks<br> - Due Diligence Vendor-10/08/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/09/2025<br>| Exception.pdf |  | FICO 810 > 700 Min<br> LTV 80% < 90% Max<br> DTI 39.88% < 50% Max | XX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 2086434 |  | Closed | 2025-10-13 14:55 | 2025-10-14 10:33 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/14/2025 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-10/14/2025 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-10/13/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/14/2025 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-10/14/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086434 |  | Closed | 2025-10-13 13:32 | 2025-10-14 10:32 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 10/07/2025 is after the Primary Appraisal Delivery Date of 09/24/2025 - Due Diligence Vendor-10/13/2025 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2086434 |  | Closed | 2025-10-13 15:00 | 2025-10-14 10:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/14/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Open-The Initial Closing Disclosure was provided on (XXXX-XX-XXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX-XX-XX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXX-XX-XX), for consummation to occur on (XXXX-XX-XX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . Due to missing the Borrower's Consent to Receive Communications Electronically, the eSignature on the initial Closing Disclosure is null and void - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/14/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/14/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086434 |  | Closed | 2025-10-13 13:34 | 2025-10-14 10:30 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/14/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/14/2025 <br>Open-E-Consent documentation is missing for borrower(s). Provided E-sign document is not signed by borrower - Due Diligence Vendor-10/13/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/14/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/14/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2086438 |  | Closed | 2025-10-14 09:00 | 2025-10-16 10:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-waive - Buyer-10/16/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2086438 |  | Closed | 2025-10-14 09:00 | 2025-10-16 10:22 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Acknowledged-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/16/2025 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. E-Consent not provided prior to appraisal delivery. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025 |  | Acknowledged-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2086438 |  | Closed | 2025-10-15 13:32 | 2025-10-16 10:22 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to Subject property is XX.XX acres, over the lender guideline 10 acre maximum. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/16/2025 <br> Open-Property type is ineligible due to Subject property is XX.XX acres, over the lender guideline 10 acre maximum. - Due Diligence Vendor-10/15/2025 |  | Waived-Property type is ineligible due to Subject property is XX.XX acres, over the lender guideline 10 acre maximum. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/16/2025 | Exception.pdf |  | FICO 722 > 680 Min<br> 38-month Reserves > 6 Month min<br> DTI 33% < 45 Max<br> SE 4 Yrs > 2 Yr Min | XX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 2088845 |  | Closed | 2025-11-11 15:13 | 2025-11-11 15:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-11/11/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/11/2025 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2088849 |  | Closed | 2025-10-21 10:39 | 2025-10-23 09:01 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Received Settlement Statement reflecting cash out proceeds. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/22/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $X,XXX.XX The loan application reflects proceeds from loan ending in XXXXX are to be used for reserves; however, no evidence of proceeds found in file. - Due Diligence Vendor-10/21/2025 |  | Resolved-Received Settlement Statement reflecting cash out proceeds. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/23/2025 | Final SS.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 2088849 |  | Closed | 2025-10-21 10:47 | 2025-10-23 09:00 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Settlement Statement reflecting cash out proceeds. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Audited Reserves of 46.33 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/22/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 0 months are less than Guideline Required Reserves of 6 months. The loan application reflects proceeds from loan ending in XXXXX are to be used for reserves; however, no evidence of proceeds found in file. - Due Diligence Vendor-10/21/2025 |  | Resolved-Received Settlement Statement reflecting cash out proceeds. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Audited Reserves of 46.33 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/23/2025<br>| Final SS.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 2088848 |  | Closed | 2025-10-22 08:23 | 2025-10-23 09:05 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Received Settlement Statement reflecting cash out proceeds. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/22/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $X is less than Total Required Reserve Amount of $X,XXX.XX The loan application reflects proceeds from loan ending in XXXXX are to be used for reserves; however, no evidence of proceeds found in file. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received Settlement Statement reflecting cash out proceeds. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/23/2025 | Final SS.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 2088848 |  | Closed | 2025-10-22 08:29 | 2025-10-23 09:05 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Settlement Statement reflecting cash out proceeds. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-Audited Reserves of 46.91 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/22/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 0 months are less than Guideline Required Reserves of 6 month. The loan application reflects proceeds from loan ending in XXXXX are to be used for reserves; however, no evidence of proceeds found in file. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received Settlement Statement reflecting cash out proceeds. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Audited Reserves of 46.91 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/23/2025<br>| Final SS.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 2088840 |  | Closed | 2025-10-22 11:31 | 2025-10-23 15:44 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/23/2025 <br>Open-The lender guidelines require prior year W2 Transcripts for Borrower 1.<br> - Due Diligence Vendor-10/22/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/23/2025<br>| XXXX W2 Transcript.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2088840 |  | Closed | 2025-10-22 11:19 | 2025-10-23 15:43 | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/23/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/22/2025 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025<br>| Exception.pdf |  | DTI 42% < 50% Max<br> Housing History 0x30x71 vs 0x30x12 Min<br> Reduce payment from $3,735 down to $2,947<br> Employed 12 yrs > 2 yr Min<br> Residual Income 6.5k > 1.5k Min | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2088840 |  | Closed | 2025-10-22 11:30 | 2025-10-23 15:42 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/23/2025 <br>Open-Audited Reserves of 5.11 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/22/2025 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025<br>| Exception.pdf |  | DTI 42% < 50% Max<br> Housing History 0x30x71 vs 0x30x12 Min<br> Reduce payment from $3,735 down to $2,947<br> Employed 12 yrs > 2 yr Min<br> Residual Income 6.5k > 1.5k Min | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2088850 |  | Closed | 2025-10-22 12:32 | 2025-10-23 07:20 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Per Lender's Guidelines, management review and exception required for all DSCR loans where the borrower is living rent free. Despite this requirement, management review and exception not found. - Due Diligence Vendor-10/22/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-10/23/2025<br>| Exception.pdf |  | Reserves 25 Months>6 Months Min<br> Fico 760 41 pts>719 Min<br> LTV 75% Max 80% | XX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 2088851 |  | Closed | 2025-10-24 06:40 | 2025-10-27 09:07 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/24/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The file is missing a copy of the appraisal invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-10/24/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-10/27/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091277 |  | Closed | 2025-10-27 06:49 | 2025-10-28 08:08 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Borrower Non-US identity document expiration date is XX-XX-XXXX and note is dated XX-XX-XXXX. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-escalated - Buyer-10/28/2025 <br> Open-Borrower Non-US identity document expiration date is XX-XX-XXXX and note is dated XX-XX-XXXX. Borrower non-US identity document is expired. Lender's guidelines indicate that if expiration of the card is within 6 months of the Note date, must provide proof that an I-90 was filed and received by XXXXX; however, there is no evidence I-90 was filed and received by XXXXX. - Due Diligence Vendor-10/27/2025 |  | Resolved-Borrower Non-US identity document expiration date is XX-XX-XXXX and note is dated XX-XX-XXXX. - Due Diligence Vendor-10/28/2025 | XXXX |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091283 |  | Closed | 2025-10-27 09:31 | 2025-11-11 13:35 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Reserves verified. Condition cleared. - Due Diligence Vendor-11/11/2025 <br> Resolved- - Due Diligence Vendor-10/29/2025 <br> Counter-All remaining assets were gift funds which can't be used for reserves. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Total Qualified Assets for Reserves Post-Close of $X Is less than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Escalated - Seller-10/29/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-10/27/2025 | Ready for Review-Escalated - Seller-10/29/2025<br>| Resolved-Reserves verified. Condition cleared. - Due Diligence Vendor-11/11/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091283 |  | Closed | 2025-10-27 09:40 | 2025-11-11 13:35 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserves verified. Condition cleared. - Due Diligence Vendor-11/11/2025 <br>Resolved- - Due Diligence Vendor-10/29/2025 <br>Counter-All remaining assets were gift funds which can't be used for reserves. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Escalated - Seller-10/29/2025 <br>Open-Audited Reserves of 2.91 month(s) are less than Guideline Required Reserves of 6 month(s) GL Requires 6 months of reserves when LTV > 65%. Audited Reserves of 2.91 month(s) are less than Guideline Required Reserves of 6 month. The lender guidelines do not allow gift funds to be used towards reserves. - Due Diligence Vendor-10/27/2025 | Ready for Review-Escalated - Seller-10/29/2025<br>| Resolved-Reserves verified. Condition cleared. - Due Diligence Vendor-11/11/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091283 |  | Closed | 2025-10-27 07:15 | 2025-10-29 17:03 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-10/29/2025 <br> Counter-Exception provided however not all compensating factors are valid. Reserves of 24 months were given however the borrower has no funds for reserves post-closing. All remaining assets were gift funds which can't be used for reserves. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/29/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender guidelines require Cancelled checks or bank statements to verify rental history when the VOR is completed by a non-institutional party. File includes VOR along with payment history from June XXXX-September XXXX however cancelled check or bank statement withdrawal for the month of May XXXX is missing. - Due Diligence Vendor-10/27/2025 |  | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-10/29/2025<br>| Exception.pdf |  | FICO of 724 > 700 min<br> Reserves of 24 months > 6 months<br> DTI of 44.25 < 50% max<br> Housing 0x30x100 vs 0x30x12<br> Residual income of $10,000 > $1,500 min | XX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX | 2091283 |  | Closed | 2025-10-27 07:15 | 2025-10-29 16:55 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/29/2025 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements GL requires Cancelled checks or bank statements to verify rental history is VOR is completed by a non-institutional party. File includes VOR along with payment history from June XXXX-September XXXX however cancelled check or bank statement withdrawal for the month of May XXXX is missing. - Due Diligence Vendor-10/27/2025 |  | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/29/2025<br>| Exception.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091283 |  | Closed | 2025-10-27 09:31 | 2025-10-29 16:55 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/29/2025 <br> Ready for Review-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Escalated - Seller-10/29/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $X,XXX.XX- Due Diligence Vendor-10/27/2025 | Ready for Review-Escalated - Seller-10/29/2025<br>| Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091283 |  | Closed | 2025-10-27 09:01 | 2025-10-29 10:44 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The file is missing a copy of the appraisal invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-10/29/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091280 |  | Closed | 2025-10-28 08:29 | 2025-11-04 08:00 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Fully executed interest only note provided. Finding Resolved. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/03/2025 <br>Open-The Note is Incomplete As per lock confirmation the loan is interest only however the provided note is fixed interest. - Due Diligence Vendor-10/28/2025 |  | Resolved-Fully executed interest only note provided. Finding Resolved. - Due Diligence Vendor-11/04/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091280 |  | Closed | 2025-10-28 10:07 | 2025-10-29 12:06 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exeption granted, the finding will be graded a B or non-material. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/28/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender's guideline matrix reflects max 75% LTV on a purchase using short term rental. - Due Diligence Vendor-10/28/2025 |  | Waived-Exeption granted, the finding will be graded a B or non-material. - Due Diligence Vendor-10/29/2025<br>| Exception.pdf |  | FICO of 723 > 700 min<br> Reserves of 16 months > 6 months min<br> Mortgage payment history of 0v30v34 vs 1x30x12 max | XX | Investment | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX | 2091279 |  | Closed | 2025-10-29 15:03 | 2025-10-31 08:51 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary received. Finding resolved. - Due Diligence Vendor-10/31/2025 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/30/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/29/2025 |  | Resolved-Approval/Underwriting Summary received. Finding resolved. - Due Diligence Vendor-10/31/2025 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/31/2025<br>| 1008.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091276 |  | Closed | 2025-10-30 13:07 | 2025-11-11 13:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Please waive - Buyer-10/31/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/11/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 2091276 |  | Closed | 2025-10-30 12:27 | 2025-11-03 09:54 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The file is missing a copy of the appraisal invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/03/2025<br>| Invoice.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 2091276 |  | Closed | 2025-10-30 14:49 | 2025-11-03 09:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The lender guidelines for rental income require a current lease along with proof of 2 months receipt of rent to offset the liabilities for real estate owned that are not the subject property. The file is missing 2 month's rent receipt for REO 3c on the final application. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/03/2025<br>| Exception.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 2091276 |  | Closed | 2025-10-30 11:16 | 2025-11-03 09:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/31/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing Note, final CD/settlement statement and first payment letter/Coupon for recent refinance with lender of the borrower's additional REO (REO 3c) on the final application to verify PITI and payoff of prior lien. Additional conditions may apply. - Due Diligence Vendor-10/30/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/03/2025<br>| Final SS.pdf<br>FPL.pdf<br>Note.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 2091276 |  | Closed | 2025-10-30 14:47 | 2025-11-03 09:45 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Rental Income Documentation for REO | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/31/2025 <br>Open-Missing Rental Income Documentation for REO listed on the application. The lender guidelines for rental income require a current lease along with proof of 2 months receipt of rent to offset the liabilities for real estate owned that are not the subject property. The file is missing 2 month's rent receipt for REO 3c on the final application. - Due Diligence Vendor-10/30/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/03/2025<br>| Exception.pdf |  | FICO 757 > 700 Min<br> Reserves 26 months > 3 Mon Min<br> Primary Mtg 0x30x33 vs 0x30x12 minimum<br> REO 0x30x16, 0x30x64 vs 0x30x12 minimum | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 2091276 |  | Closed | 2025-10-30 11:04 | 2025-11-03 09:41 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/31/2025 <br> Open-The file is missing Note, final CD/settlement statement and first payment letter/Coupon for recent refinance with lender of the borrower's additional REO (REO 3c) on the final application to verify PITI, payoff of prior lien and source large deposit of $X,XXX.XX. Additional Conditions may apply. - Due Diligence Vendor-10/30/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025<br>| Final SS.pdf<br>FPL.pdf<br>Note.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 2091278 |  | Closed | 2025-10-31 10:12 | 2025-11-03 15:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/03/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/03/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Transfer proof of $X,XXX.XX to the title company is missing loan file. Additional conditions may apply. - Due Diligence Vendor-10/31/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/03/2025<br>| Gift Funds Reciept.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 2091278 |  | Closed | 2025-11-03 07:33 | 2025-11-03 15:24 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/03/2025 <br>Open-Gift Documentation Incomplete. The file is missing a Settlement Statement showing receipt of the donor's gift funds. - Due Diligence Vendor-11/03/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-11/03/2025<br>| Gift Funds Reciept.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 2082167 |  | $XXXX C A B |
| XXXX | 2076484 |  | $XXXX A |
| XXXX | 2076482 |  | $XXXX A D B |
| XXXX | 2076483 |  | $XXXX C D A B |
| XXXX | 2077473 |  | $XXXX A D |
| XXXX | 2077472 |  | $XXXX A C |
| XXXX | 2077475 |  | $XXXX A D B |
| XXXX | 2079333 |  | $XXXX D C A B |
| XXXX | 2079337 |  | $XXXX D A |
| XXXX | 2079338 |  | $XXXX A |
| XXXX | 2082065 |  | $XXXX A B |
| XXXX | 2086430 |  | $XXXX D A B |
| XXXX | 2082066 |  | $XXXX A C B |
| XXXX | 2082070 |  | $XXXX A |
| XXXX | 2082073 |  | $XXXX A |
| XXXX | 2082072 |  | $XXXX A B |
| XXXX | 2082067 |  | $XXXX A B |
| XXXX | 2082069 |  | $XXXX C A |
| XXXX | 2082074 |  | $XXXX A B |
| XXXX | 2091393 |  | $XXXX A |
| XXXX | 2084087 |  | $XXXX D B A |
| XXXX | 2084080 |  | $XXXX D C A B |
| XXXX | 2084083 |  | $XXXX A |
| XXXX | 2086434 |  | $XXXX A C B |
| XXXX | 2086438 |  | $XXXX C B A |
| XXXX | 2086433 |  | $XXXX A |
| XXXX | 2086432 |  | $XXXX A |
| XXXX | 2086437 |  | $XXXX A |
| XXXX | 2088843 |  | $XXXX A |
| XXXX | 2088845 |  | $XXXX A B |
| XXXX | 2088846 |  | $XXXX A |
| XXXX | 2088844 |  | $XXXX A |
| XXXX | 2088842 |  | $XXXX A |
| XXXX | 2088849 |  | $XXXX C A |
| XXXX | 2088847 |  | $XXXX A |
| XXXX | 2088848 |  | $XXXX C A |
| XXXX | 2088840 |  | $XXXX D A B |
| XXXX | 2088854 |  | $XXXX A |
| XXXX | 2088850 |  | $XXXX C A B |
| XXXX | 2088852 |  | $XXXX A |
| XXXX | 2088841 |  | $XXXX A |
| XXXX | 2088853 |  | $XXXX A |
| XXXX | 2088851 |  | $XXXX C A |
| XXXX | 2091286 |  | $XXXX A |
| XXXX | 2091287 |  | $XXXX A |
| XXXX | 2091277 |  | $XXXX C A |
| XXXX | 2091283 |  | $XXXX C A B |
| XXXX | 2091275 |  | $XXXX A |
| XXXX | 2091284 |  | $XXXX A |
| XXXX | 2091280 |  | $XXXX D A B |
| XXXX | 2091279 |  | $XXXX D A |
| XXXX | 2091285 |  | $XXXX A |
| XXXX | 2091282 |  | $XXXX A |
| XXXX | 2091276 |  | $XXXX D C A B |
| XXXX | 2091278 |  | $XXXX D C A |
| XXXX | 2091281 |  | $XXXX A |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 2082167 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6545.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 2076484 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.675 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28603.6 | N/A | Employed |  | No |  | No |  |
| XXXX | 2076482 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16245.72 | N/A | Employed |  | No |  | No |  |
| XXXX | 2076483 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27832.83 | N/A | Employed |  | No |  | No |  |
| XXXX | 2077473 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5145.61 | N/A | Employed |  | No |  | No |  |
| XXXX | 2077472 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.022 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 116055.33 | N/A | Employed | Employed | Yes | Yes | No |  |
| XXXX | 2077475 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5674.12 | N/A | Employed |  | No |  | No |  |
| XXXX | 2079333 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8489.68 | N/A | Employed |  | No |  | No |  |
| XXXX | 2079337 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45419.36 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2079338 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38893.87 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2082065 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4206.69 | N/A | Employed |  | No |  | No |  |
| XXXX | 2086430 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12918.23 | N/A | Employed |  | No |  | No |  |
| XXXX | 2082066 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17111.89 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2082070 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12859.71 | N/A | Employed |  | No |  | No |  |
| XXXX | 2082073 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14807.43 | N/A | Employed |  | Yes |  | No |  |
| XXXX | 2082072 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5153.9 | N/A | Employed |  | No |  | No |  |
| XXXX | 2082067 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 198820.91 | N/A | Employed |  | No |  | No |  |
| XXXX | 2082069 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12052.23 | N/A | Employed |  | No |  | No |  |
| XXXX | 2082074 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9923.31 | N/A | Employed |  | No |  | No |  |
| XXXX | 2091393 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2084087 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.288 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2395 | N/A | Employed |  | No |  | No |  |
| XXXX | 2084080 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3804.18 | N/A | Employed |  | No |  | No |  |
| XXXX | 2084083 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35703.58 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2086434 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 108932.39 | N/A | Employed |  | No |  | No |  |
| XXXX | 2086438 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.628 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29346.03 | N/A | Employed |  | No |  | No |  |
| XXXX | 2086433 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 64040.55 | N/A | Employed |  | No |  | No |  |
| XXXX | 2086432 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37838 | N/A | Employed |  | No |  | No |  |
| XXXX | 2086437 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6252.84 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2088843 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2088845 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7910.93 | N/A | Employed |  | No |  | No |  |
| XXXX | 2088846 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2088844 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2088842 |  | XX/XX/XXXX | 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 |
| XXXX | 2088849 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2088847 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2088848 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2088840 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5570.25 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2088854 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 2088850 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2088852 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.745 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8788.13 | N/A | Employed |  | No |  | No |  |
| XXXX | 2088841 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 97797.65 | N/A | Employed |  | No |  | No |  |
| XXXX | 2088853 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32523.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 2088851 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.226 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 126244.38 | N/A | Employed |  | No |  | No |  |
| XXXX | 2091286 |  | XX/XX/XXXX | 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 |
| XXXX | 2091287 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2091277 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2091283 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9543.81 | N/A | Employed |  | No |  | No |  |
| XXXX | 2091275 |  | XX/XX/XXXX | 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 |
| XXXX | 2091284 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12103.89 | N/A | Employed |  | No |  | No |  |
| XXXX | 2091280 |  | XX/XX/XXXX | 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 |
| XXXX | 2091279 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2091285 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55790.58 | N/A | Employed |  | No |  | No |  |
| XXXX | 2091282 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8994.58 | N/A | Employed |  | No |  | No |  |
| XXXX | 2091276 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8358.74 | N/A | Employed |  | No |  | No |  |
| XXXX | 2091278 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5400.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 2091281 |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 2082167 |  | XXXX | XXXX | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.827% |  | 8.500% | 8.500% | $3703.39 | No | $11144.28 | $928.69 | $2994.00 | $249.50 | $0.00 | $0.00 | $0.00 | $4881.58 | $6545.42 | N/A |  |  | $0.00 |  |  | 48.14% | 47.94% | 47.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 88.07% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | Employment Authorization Document (I-821D) |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 165244.11 | 33.9 | 165244.11 | 33.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2076484 |  | XXXX | XXXX | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.675% |  | 7.375% | 7.375% | $4365.07 | No | $15970.80 | $1330.90 | $2217.96 | $184.83 | $0.00 | $0.00 | $0.00 | $5880.80 | $28603.60 | N/A |  |  | $0.00 |  |  | 19.38% | 19.35% | 19.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 97117.58 | 16.5 | 97117.58 | 16.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2076482 |  | XXXX | XXXX | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines – Open Road Series July 28, 2025 | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.429% |  | 8.375% | 8.375% | $3726.38 | No | $4739.28 | $394.94 | $1475.04 | $122.92 | $1944.00 | $162.00 | $0.00 | $4406.24 | $16245.72 | N/A | XXXXX | XX | $162.00 | XX/XX/XXXX | Monthly | 25.00% | 25.00% | 25.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 94397.46 | 21.4 | 94397.46 | 21.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2076483 |  | XXXX | XXXX | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines June 9, 2025 | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.552% |  | 8.125% | 8.125% | $7276.47 | No | $9471.24 | $789.27 | $2916.84 | $243.07 | $5400.00 | $450.00 | $0.00 | $8758.81 | $27832.83 | N/A | XXXXX | XX | $450.00 | XX/XX/XXXX | Monthly | 23.94% | 23.94% | 23.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40854.17 | 4.7 | 40854.17 | 4.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2077473 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.162% |  | 6.875% | 6.875% | $3613.11 | No | $4074.00 | $339.50 | $3516.00 | $293.00 | $0.00 | $0.00 | $0.00 | $4245.61 | $5145.61 | N/A |  |  | $0.00 |  |  | 44.73% | 44.73% | 44.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 428674.61 | 101 | No | 58.51 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2077472 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.022% |  | 7.375% | 7.375% | $4539.82 | No | $8812.56 | $734.38 | $1035.00 | $86.25 | $8064.00 | $672.00 | $0.00 | $6032.45 | $116055.33 | Yes | XXXXX | XX | $672.00 | XX/XX/XXXX | Monthly | 4.94% | 4.94% | 4.94% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 30 | Yes | 30 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified | Borrower \|\| Co Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | United States | XX/XX/XXXX | XXXX | XX/XX/XXXX | Work Visa |  | XX/XX/XXXX | Foreign National | Foreign National | N/A | Passport |  |  | United States | XX/XX/XXXX | XXXX | XX/XX/XXXX | Work Visa |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | Bank / Credit Reference | 180801.78 | 30 | 180801.78 | 30 | No | 70 | Yes | No | No | No | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2077475 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.387% |  | 8.250% | 8.250% | $3684.96 | No | $8561.16 | $713.43 | $1548.24 | $129.02 | $0.00 | $0.00 | $0.00 | $4527.41 | $5674.12 | N/A |  |  | $0.00 |  |  | 44.89% | 44.89% | 44.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 28185.05 | 6.2 | 28185.05 | 6.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2079333 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v2 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.583% |  | 7.250% | 7.250% | $2933.36 | No | $5910.60 | $492.55 | $1499.64 | $124.97 | $0.00 | $0.00 | $0.00 | $3550.88 | $8489.68 | N/A |  |  | $0.00 |  |  | 44.64% | 44.64% | 44.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 25540.21 | 7.2 | 25540.21 | 7.2 | No | 78.18 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2079337 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v2 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | 8.753% |  | 8.500% | 8.500% | $6182.06 | No | $14611.68 | $1217.64 | $1507.08 | $125.59 | $9900.00 | $825.00 | $0.00 | $8350.29 | $45419.36 | Yes | XXXXX | XX | $825.00 | XX/XX/XXXX | Monthly | 38.70% | 38.70% | 38.70% | No | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 60.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 90289.15 | 10.8 | 90289.15 | 10.8 | No | 89.83 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2079338 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v2 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | 7.417% |  | 7.125% | 7.125% | $2273.80 | No | $3189.00 | $265.75 | $2128.68 | $177.39 | $0.00 | $0.00 | $0.00 | $2716.94 | $38893.87 | N/A |  |  | $0.00 |  |  | 14.68% | 14.68% | 14.68% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 25307.77 | 9.3 | 25307.77 | 9.3 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2082065 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.181% |  | 7.750% | 7.750% | $1482.97 | No | $2730.00 | $227.50 | $1173.00 | $97.75 | $0.00 | $0.00 | $0.00 | $1808.22 | $4206.69 | N/A |  |  | $0.00 |  |  | 33.10% | 33.10% | 33.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 11172.89 | 6.2 | 11172.89 | 6.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2086430 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | 8.716% |  | 8.375% | 8.375% | $3715.23 | No | $7378.56 | $614.88 | $1343.04 | $111.92 | $725.04 | $60.42 | $0.00 | $4502.45 | $12918.23 | N/A | XXXXX | XX | $60.42 | XX/XX/XXXX | Annually | 26.84% | 26.84% | 26.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 27014.73 | 6 | 27014.73 | 6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2082066 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.544% |  | 7.250% | 7.250% | $5740.51 | No | $11687.52 | $973.96 | $2419.56 | $201.63 | $0.00 | $0.00 | $0.00 | $6916.10 | $17111.89 | N/A |  |  | $0.00 |  |  | 32.33% | 32.33% | 32.33% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Crypto Currency,Stocks/Bonds,Crypto Currency | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX | US Citizen | US Citizen | N/A | Other | Patriot Act Form | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 59258.39 | 8.6 | 59258.39 | 8.6 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2082070 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | 6.655% |  | 6.375% | 6.375% | $2901.00 | No | $7917.24 | $659.77 | $5252.76 | $437.73 | $1260.00 | $105.00 | $0.00 | $4103.50 | $12859.71 | N/A | XXXXX | XX | $105.00 | XX/XX/XXXX | Monthly | 25.27% | 25.27% | 25.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 86565.96 | 21.1 | 86565.96 | 21.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2082073 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.842% |  | 7.250% | 7.250% | $1442.80 | No | $6393.72 | $532.81 | $1835.52 | $152.96 | $5700.00 | $475.00 | $0.00 | $2603.57 | $14807.43 | Yes | XXXXX | XX | $475.00 | XX/XX/XXXX | Monthly | 14.95% | 14.95% | 14.95% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | United States | XX/XX/XXXX | XXXX | XX/XX/XXXX | Work Visa |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 35655.61 | 13.7 | 35655.61 | 13.7 | No | 41.35 | Yes | No | No | No | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2082072 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.111% |  | 7.000% | 7.000% | $2107.68 | No | $3376.44 | $281.37 | $846.36 | $70.53 | $3080.04 | $256.67 | $0.00 | $2716.25 | $5153.90 | N/A | XXXXX | XX | $256.67 | XX/XX/XXXX | Monthly | 41.76% | 41.76% | 41.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 20022.89 | 7.4 | 20022.89 | 7.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2082067 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | 6.791% |  | 6.625% | 6.625% | $5762.80 | No | $12002.76 | $1000.23 | $1692.00 | $141.00 | $0.00 | $0.00 | $0.00 | $6904.03 | $198820.91 | N/A |  |  | $0.00 |  |  | 7.08% | 7.08% | 7.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024 | Borrower - 1 YR Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 167003.71 | 24.2 | 167003.71 | 24.2 | No | 69.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2082069 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | 7.411% |  | 7.125% | 7.125% | $4238.35 | No | $4825.20 | $402.10 | $1998.96 | $166.58 | $300.00 | $25.00 | $0.00 | $4832.03 | $12052.23 | N/A | XXXXX | XX | $25.00 | XX/XX/XXXX | Annually | 37.12% | 37.12% | 37.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 39401.10 | 8.2 | 39301.10 | 8.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2082074 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.581% |  | 7.250% | 7.250% | $3628.50 | No | $6352.32 | $529.36 | $1632.00 | $136.00 | $0.00 | $0.00 | $0.00 | $4293.86 | $9923.31 | N/A |  |  | $0.00 |  |  | 41.53% | 41.53% | 41.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 38703.40 | 9 | 33165.43 | 7.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091393 |  | XXXX | XXXX | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines-06/09/2025 | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2419.28 | No | $2738.04 | $228.17 | $2177.28 | $181.44 | $0.00 | $0.00 | $0.00 | $2828.89 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.343 | 1.343 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10981.53 | 3.9 | 10981.53 | 3.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2084087 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 8.288% |  | 7.750% | 7.750% | $1146.26 | No | $2139.96 | $178.33 | $2121.00 | $176.75 | $0.00 | $0.00 | $0.00 | $1501.34 | $2395.00 | N/A |  |  | $0.00 |  |  | 38.54% | 38.54% | 38.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 59231.03 | 39.5 | 59231.03 | 39.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2084080 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.510% |  | 7.125% | 7.125% | $1967.26 | No | $4903.32 | $408.61 | $1581.96 | $131.83 | $0.00 | $0.00 | $0.00 | $2507.70 | $3804.18 | N/A |  |  | $0.00 |  |  | 39.91% | 39.91% | 39.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 8356.57 | 3.3 | 8356.57 | 3.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2084083 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.436% |  | 7.250% | 7.250% | $5095.86 | No | $18103.80 | $1508.65 | $4055.04 | $337.92 | $0.00 | $0.00 | $0.00 | $6942.43 | $35703.58 | N/A |  |  | $0.00 |  |  | 30.84% | 30.84% | 30.84% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 206185.17 | 29.7 | 206185.17 | 29.7 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2086434 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.478% |  | 7.250% | 7.250% | $4174.92 | No | $6733.56 | $561.13 | $2486.04 | $207.17 | $470.04 | $39.17 | $0.00 | $4982.39 | $108932.39 | N/A | XXXXX | XX | $39.17 | XX/XX/XXXX | Annually | 7.95% | 7.88% | 7.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 104150.49 | 20.9 | 104150.49 | 20.9 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2086438 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.628% |  | 7.375% | 7.375% | $7397.13 | No | $15750.00 | $1312.50 | $15403.32 | $1283.61 | $0.00 | $0.00 | $0.00 | $9993.24 | $29346.03 | N/A |  |  | $0.00 |  |  | 32.42% | 32.42% | 32.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 159977.51 | 16 | 159977.51 | 16 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXX |  |  |  |
| XXXX | 2086433 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.814% |  | 7.500% | 7.500% | $4908.49 | No | $5305.20 | $442.10 | $4655.28 | $387.94 | $0.00 | $0.00 | $0.00 | $5738.53 | $64040.55 | N/A |  |  | $0.00 |  |  | 8.83% | 8.83% | 8.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 42308.39 | 7.4 | 42308.39 | 7.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2086432 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 6.527% |  | 6.125% | 6.125% | $4099.53 | No | $5381.64 | $448.47 | $711.00 | $59.25 | $1920.00 | $160.00 | $0.00 | $4767.25 | $37838.00 | N/A | XXXXX | XX | $160.00 | XX/XX/XXXX | Monthly | 17.97% | 17.97% | 17.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 37577.85 | 7.9 | 37577.85 | 7.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2086437 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.023% |  | 7.625% | 7.625% | $4423.71 | No | $8778.00 | $731.50 | $1049.04 | $87.42 | $4008.00 | $334.00 | $0.00 | $5576.63 | $6252.84 | N/A | XXXXX | XX | $334.00 | XX/XX/XXXX | Monthly | 47.50% | 47.50% | 47.50% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 90.22% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | .00 | 0 | No | 56.82 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088843 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1036.01 | No | $2252.04 | $187.67 | $1061.04 | $88.42 | $0.00 | $0.00 | $0.00 | $1312.10 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.277 | 1.277 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 964040.20 | 734.7 | 964040.20 | 734.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXX |  |  |  |
| XXXX | 2088845 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.378% |  | 7.125% | 7.125% | $2505.39 | No | $9117.96 | $759.83 | $2510.04 | $209.17 | $1164.96 | $97.08 | $0.00 | $3571.47 | $7910.93 | N/A | XXXXX | XX | $97.08 | XX/XX/XXXX | Annually | 35.49% | 35.49% | 35.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | No | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 141487.00 | 39.6 | 141487.00 | 39.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088846 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1992.76 | No | $1533.72 | $127.81 | $471.00 | $39.25 | $10164.00 | $847.00 | $0.00 | $3006.82 |  | Yes | XXXXX | XX | $847.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.998 | 0.997 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 171605.04 | 57.1 | No | 59.38 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088844 |  | XXXX | XXXX | XXXX | No | XXXX - NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2147.48 | No | $3153.72 | $262.81 | $1929.96 | $160.83 | $0.00 | $0.00 | $0.00 | $2571.12 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.459 | 1.459 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 913946.90 | 355.5 | 913946.90 | 355.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXX |  |  |  |
| XXXX | 2088842 |  | XXXX | XXXX | XXXX | No | XXXX - NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $7278.33 | No | $26954.88 | $2246.24 | $8829.00 | $735.75 | $0.00 | $0.00 | $0.00 | $10260.32 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.209 | 1.209 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38679.04 | 3.8 | 38679.04 | 3.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088849 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | $1336.88 | No | $7392.84 | $616.07 | $2771.04 | $230.92 | $0.00 | $0.00 | $0.00 | $2183.87 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.465 | 1.46 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101179.60 | 46.3 | 101179.60 | 46.3 | No | 48.6 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088847 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1600.86 | No | $8617.92 | $718.16 | $2715.96 | $226.33 | $0.00 | $0.00 | $0.00 | $2545.35 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.65 | 1.65 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 101179.60 | 39.8 | No | 51.9 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088848 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | $1257.02 | No | $8081.28 | $673.44 | $2715.96 | $226.33 | $0.00 | $0.00 | $0.00 | $2156.79 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.391 | 1.34 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101179.60 | 46.9 | 101179.60 | 46.9 | No | 45.02 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088840 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 8.145% |  | 7.875% | 7.875% | $2479.74 | No | $3596.88 | $299.74 | $1584.96 | $132.08 | $432.00 | $36.00 | $0.00 | $2947.56 | $5570.25 | N/A | XXXXX | XX | $36.00 | XX/XX/XXXX | Annually | 42.01% | 42.01% | 42.01% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 12 | 0 | 58.71% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 6 | 6 | Work Number NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  |  | United States | XX/XX/XXXX | USA | XX/XX/XXXX | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Form | TX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 20725.95 | 7 | 15060.22 | 5.1 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088854 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $894.24 | No | $1988.40 | $165.70 | $3987.12 | $332.26 | $360.00 | $30.00 | $0.00 | $1422.20 |  | N/A | XXXXX | XX | $30.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.195 | 1.2 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 234632.01 | 165 | 234632.01 | 165 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088850 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1699.09 | No | $8679.96 | $723.33 | $1020.96 | $85.08 | $0.00 | $0.00 | $0.00 | $2507.50 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.196 | 1.196 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70324.97 | 28.1 | 70324.97 | 28.1 | No | 58.55 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088852 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.745% |  | 7.375% | 7.375% | $2672.91 | No | $4173.36 | $347.78 | $1778.28 | $148.19 | $10596.00 | $883.00 | $0.00 | $4051.88 | $8788.13 | Yes | XXXXX | XX | $883.00 | XX/XX/XXXX | Monthly | 31.56% | 31.83% | 31.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 49912.27 | 12.3 | 49912.27 | 12.3 | No | 90 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088841 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v2 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.450% |  | 7.250% | 7.250% | $2796.92 | No | $10952.76 | $912.73 | $5472.00 | $456.00 | $0.00 | $0.00 | $0.00 | $4165.65 | $97797.65 | N/A |  |  | $0.00 |  |  | 8.78% | 6.06% | 6.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 398192.55 | 95.6 | No | 72.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088853 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v2 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 6.945% |  | 6.750% | 6.750% | $3405.14 | No | $5697.36 | $474.78 | $1262.04 | $105.17 | $0.00 | $0.00 | $0.00 | $3985.09 | $32523.57 | N/A |  |  | $0.00 |  |  | 42.35% | 41.53% | 41.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 396536.74 | 99.5 | 396536.74 | 99.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2088851 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.226% |  | 6.875% | 6.875% | $2259.84 | No | $5241.00 | $436.75 | $2226.96 | $185.58 | $210.00 | $17.50 | $0.00 | $2899.67 | $126244.38 | N/A | XXXXX | XX | $17.50 | XX/XX/XXXX | Annually | 10.56% | 10.72% | 10.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 102.98% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 282443.08 | 97.4 | 282443.08 | 97.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091286 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1690.10 | No | $4393.92 | $366.16 | $5821.32 | $485.11 | $4299.96 | $358.33 | $0.00 | $2899.70 |  | N/A | XXXXX | XX | $358.33 | XX/XX/XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.069 | 1.069 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15486.49 | 5.3 | 15486.49 | 5.3 | No | 60.82 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091287 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $3301.22 | No | $8403.36 | $700.28 | $2678.04 | $223.17 | $0.00 | $0.00 | $0.00 | $4224.67 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.184 | 1.183 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 77199.54 | 18.3 | 77199.54 | 18.3 | No | 55.06 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091277 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $859.69 | No | $1875.00 | $156.25 | $1041.00 | $86.75 | $0.00 | $0.00 | $0.00 | $1102.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.27 | 1.27 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101897.44 | 92.4 | 101897.44 | 92.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091283 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.587% |  | 7.375% | 7.375% | $5432.85 | No | $10925.04 | $910.42 | $4350.24 | $362.52 | $0.00 | $0.00 | $0.00 | $6705.79 | $9543.81 | N/A |  |  | $0.00 |  |  | 44.26% | 44.26% | 44.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 03/01/2017 | 06/19/2017 | 0 | 100 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 90078.42 | 13.4 | 81693.21 | 12.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091275 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $865.07 | No | $3652.68 | $304.39 | $534.96 | $44.58 | $4200.00 | $350.00 | $0.00 | $1564.04 |  | Yes | XXXXX | XX | $350.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.055 | 1.055 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30671.33 | 20.2 | 30671.33 | 20.2 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091284 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.119% |  | 6.750% | 6.750% | $3969.42 | No | $9348.60 | $779.05 | $2700.48 | $225.04 | $0.00 | $0.00 | $0.00 | $4973.51 | $12103.89 | N/A |  |  | $0.00 |  |  | 42.58% | 42.58% | 42.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 31903.03 | 6.4 | 31903.03 | 6.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091280 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2351.25 | No | $5320.80 | $443.40 | $5463.00 | $455.25 | $0.00 | $0.00 | $0.00 | $3249.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.08 | 1.08 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 55182.95 | 17 | 55182.95 | 17 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091279 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $822.81 | No | $4689.00 | $390.75 | $1688.04 | $140.67 | $0.00 | $0.00 | $0.00 | $1354.23 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.44 | 1.44 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15171.99 | 11.2 | 15171.99 | 11.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091285 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.699% |  | 7.500% | 7.500% | $6324.40 | No | $3952.68 | $329.39 | $2479.68 | $206.64 | $0.00 | $0.00 | $0.00 | $6860.43 | $55790.58 | N/A |  |  | $0.00 |  |  | 19.63% | 10.87% | 10.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 124057.93 | 18.1 | 124057.93 | 18.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091282 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.980% |  | 7.625% | 7.625% | $3567.28 | No | $9295.44 | $774.62 | $1540.56 | $128.38 | $0.00 | $0.00 | $0.00 | $4470.28 | $8994.58 | N/A |  |  | $0.00 |  |  | 42.67% | 42.74% | 42.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 33109.27 | 7.4 | 33109.27 | 7.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091276 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | 6.970% |  | 6.625% | 6.625% | $3348.83 | No | $7650.36 | $637.53 | $1820.04 | $151.67 | $0.00 | $0.00 | $0.00 | $4138.03 | $8358.74 | N/A |  |  | $0.00 |  |  | 45.43% | 45.43% | 45.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Lease Agreements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 139134.74 | 33.6 | 139134.74 | 33.6 | No | 79.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091278 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.819% |  | 7.500% | 7.500% | $1957.80 | No | $2253.48 | $187.79 | $2157.96 | $179.83 | $0.00 | $0.00 | $0.00 | $2325.42 | $5400.24 | N/A |  |  | $0.00 |  |  | 38.73% | 38.73% | 38.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 49347.30 | 21.2 | 43651.65 | 18.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 2091281 |  | XXXX | XXXX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1688.39 | No | $3390.12 | $282.51 | $581.04 | $48.42 | $8088.00 | $674.00 | $0.00 | $2693.32 |  | N/A | XXXXX | XX | $674.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.002 | 1.002 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28701.38 | 10.7 | 28701.38 | 10.7 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| XXXX | 2091393 |  | XXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1025 |  |  |  |  | 3800 | Appraisal - 1025 | No | 74.44 | 1.343 | 1.343 | 2828.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33946.68 |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 3.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Vacant |
| XXXX | 2088843 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1675 | Appraisal - 1007 |  |  |  |  | 1675 | Appraisal - 1007 | No | 78.33 | 1.277 | 1.277 | 1312.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15745.2 |  |  |  | 1675 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 734.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXX | 2088846 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 3442.5 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 100.23 | 0.997 | 0.998 | 3006.82 | 3442.5 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25900 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 57.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXX | 2088844 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 3400 | 3750 | Appraisal - 1025 |  |  |  |  | 3750 | Appraisal - 1025 | No | 68.56 | 1.459 | 1.459 | 2571.12 | 1700 | XX/XX/XXXX | 6 | 1700 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40800 |  |  |  | 3750 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 355.47 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXX | 2088842 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | Yes | 8919 | 12400 | Appraisal - 1025 |  |  |  |  | 12400 | Appraisal - 1025 | No | 82.74 | 1.209 | 1.209 | 10260.32 | 2940 | XX/XX/XXXX | 12 |  |  |  | 2979 | XX/XX/XXXX | 24 | 3000 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 134800 |  |  |  | 12400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 3.77 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Tenant |
| XXXX | 2088849 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 3000 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 68.25 | 1.46 | 1.465 | 2183.87 | 3000 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 4.3 | 1 | 1 | N/A | 46.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Tenant |
| XXXX | 2088847 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 4500 | 4200 | Appraisal - 1007 |  |  |  |  | 4200 | Appraisal - 1007 | No | 60.6 | 1.65 | 1.65 | 2545.35 | 4500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 4200 |  |  |  |  |  |  | No | No | 11.3 | 1 | 1 | N/A | 39.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Tenant |
| XXXX | 2088848 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 3000 | 3150 | Appraisal - 1007 |  |  |  |  | 3000 | Actual In Place Rent | No | 71.89 | 1.34 | 1.391 | 2156.79 | 3000 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 46.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Tenant |
| XXXX | 2088854 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 83.66 | 1.2 | 1.195 | 1422.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23234 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 164.98 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXXX | 2088850 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 83.58 | 1.196 | 1.196 | 2507.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 106058 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 28.05 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXX | 2091286 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 |  |  |  |  | 3100 | Appraisal - 1007 | No | 93.54 | 1.069 | 1.069 | 2899.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33018 |  |  |  | 3100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.34 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Owner |
| XXXX | 2091287 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1007 |  |  |  |  | 5000 | Appraisal - 1007 | No | 84.49 | 1.183 | 1.184 | 4224.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52790 |  |  |  | 5000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Vacant |
| XXXX | 2091277 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1400 | Appraisal - 1007 |  |  |  |  | 1400 | Appraisal - 1007 | No | 78.76 | 1.27 | 1.27 | 1102.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18800 |  |  |  | 1400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 92.41 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Owner |
| XXXX | 2091275 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 94.79 | 1.055 | 1.055 | 1564.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16700 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.19 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXX | 2091280 |  | XXXX | XXX 8 DSCR 30 Year Fixed IO | Debt Service Coverage Ratio | Present | No | 0 | 3510 | Short Term Rental | 3510 | AirDNA | 12 | 54.00% | 3510 | AirDNA | Yes | 92.59 | 1.08 | 1.08 | 3249.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40500 |  |  |  | 3510 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXX | Vacant |
| XXXX | 2091279 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 |  |  |  |  | 1950 | Appraisal - 1007 | No | 69.45 | 1.44 | 1.44 | 1354.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18500 |  |  |  | 1950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.2 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXX | 2091281 |  | XXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 2700 | 1900 | Appraisal - 1007 |  |  |  |  | 2700 | Actual In Place Rent | No | 99.75 | 1.002 | 1.002 | 2693.32 | 2700 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17000 |  |  |  | 2700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 10.66 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **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** |
| XXXX | 2082167 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 05-20-2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital |  | 06-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXX | 2076484 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 06-25-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | Low Risk | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076482 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 07-11-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | Moderate | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2076483 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 07-16-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXX | 2077473 |  | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | 08-19-2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 58.51 | 58.51 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Moderate Risk | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2077472 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 08-21-2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXX | 2077475 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-04-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear capital | Moderate | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2079333 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-10-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 78.18 | 78.18 | $X,XXX.XX | $X,XXX.XX | -.0273 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | -.0273 | Clear capital | Moderate | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXX | 2079337 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-06-2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 89.83 | 89.83 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2079338 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 08-29-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| XXXX | 2082065 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-05-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2086430 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 08-18-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear capital | Low Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082066 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-03-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | Low Risk | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXX | 2082070 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-07-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2082073 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-05-2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 41.35 | 41.35 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2082072 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-24-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2082067 |  | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | 09-04-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 69.23 | 69.23 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Low Risk | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXX | 2082069 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-16-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2082074 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 08-25-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2091393 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 08-31-2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital |  | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084087 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-22-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXX | 2084080 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-03-2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | $X,XXX.XX | -.0136 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | -.0136 | Clear capital | Low Risk | 09-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2084083 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-02-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXX | 2086434 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-07-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2086438 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-29-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXX | 2086433 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-23-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2086432 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-22-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXX | 2086437 |  | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | 09-23-2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 56.82 | 56.82 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXX | 2088843 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-07-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2088845 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-30-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital |  | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| XXXX | 2088846 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-01-2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 59.38 | 59.38 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2088844 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-30-2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088842 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-03-2025 | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | Low Risk | 09-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088849 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-15-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 48.6 | 48.6 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2088847 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-15-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 51.9 | 51.9 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXX | 2088848 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-15-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 45.02 | 45.02 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Moderate Risk | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2088840 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-07-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXX | 2088854 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-23-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2088850 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-09-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 58.55 | 58.55 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2088852 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-15-2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2088841 |  | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | 09-24-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 72.06 | 72.06 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2088853 |  | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | 10-01-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2088851 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-30-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2091286 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-21-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 60.82 | 60.82 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXX | 2091287 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-17-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 55.06 | 55.06 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| XXXX | 2091277 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-09-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXX | 2091283 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-06-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2091275 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-02-2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2091284 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-16-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2091280 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 10-01-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Low risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091279 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 07-30-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2091285 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-29-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2091282 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-22-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 2091276 |  | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | 09-04-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 79.24 | 79.24 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | Moderate Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXX | 2091278 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-18-2025 | 1004 URAR | XXXX | XXXX | XXXX | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXX | 2091281 |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | 09-01-2025 | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 7**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 2077473 |  | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 2082065 |  | Qualifying FICO | creditLiabilitiesPage | 757 | 751 | Audit value based on lender qualifying requirements. |
| XXXX | 2082065 |  | Property Type | propertyValuationPage | Single Family Attached | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 2082065 |  | Borrower 1 First Name | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX | 2082066 |  | Borrower 2 First Name | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX | 2082066 |  | Borrower 1 First Name | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX | 2082074 |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.53 | 41.52 | Rounding. |
| XXXX | 2084080 |  | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value updated a per Appraisal |
| XXXX | 2086432 |  | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 2088844 |  | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value pulled from Appraisal |
| XXXX | 2088842 |  | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value pulled from Appraisal |
| XXXX | 2088854 |  | Qualifying FICO | creditLiabilitiesPage | 816 | 813 | Audit value based on lender qualifying requirements.<br>|
| XXXX | 2088854 |  | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 2088850 |  | Borrower 1 Last Name | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX | 2088852 |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.83 | 31.56 | Audit liabilities were based on the most recent credit report in the loan file. |
| XXXX | 2088841 |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.06 | 8.78 | due to audit use of 5% for open ended liability |
| XXXX | 2088853 |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.53 | 42.35 | Audit reflects difference in negative rental income per documents in the loan file.  |
| XXXX | 2088851 |  | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 2088851 |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.72 | 10.56 | Audit liabilities were based on documents in the loan file. |
| XXXX | 2091285 |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.87 | 19.63 | Audit liabilities were based on documents in the loan file. |
| XXXX | 2091282 |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.74 | 42.67 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10**

![](ex9910001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between May 2025 and October 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 56 Non-QM loans and 6 ATR-QM exempt loans for a total of 62 loans the "Final Securitization Population".

*<u>Credit Reviews (62):</u>*

During the Review, Selene performed a credit review on 62 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (62)</u>*

During the Review, Selene performed a compliance review, when applicable on 62 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (62):</u>*

During the Review, Selene performed a property valuation review on 62 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (62):</u>*

During the Review, Selene performed a Data Integrity Review on 62 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 62 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;62 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;62 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;62 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;62 | &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) and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Loan Eligibility Guidelines, Kind Lending Non-Agency Program Guidelines, Brick City Core Plus 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 **10**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

 **CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&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.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument.

**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 **10**

**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 62 mortgage loans, (ii) a Compliance Review on 62 mortgage loans (iii) a Valuation Review on 62 mortgage loans, and (iv) a Data Integrity Review on 62 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 62 mortgage loans; 44 mortgage loans had a rating grade of A, 18 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | |  | &nbsp;&nbsp;***Grades per loan (62 overall loans):*** | &nbsp;&nbsp;***Grades per loan (62 overall loans):*** | &nbsp;&nbsp;***Grades per loan (62 overall loans):*** |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;20.97% | &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;44 | &nbsp;&nbsp;70.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.45% | &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;18 | &nbsp;&nbsp;29.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;19.35% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;33 | &nbsp;&nbsp;33 | &nbsp;&nbsp;53.23% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **10**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;88.71% | &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;52 | &nbsp;&nbsp;83.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;11.29% | &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;16.13% |
| &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 - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;61 | &nbsp;&nbsp;61 | &nbsp;&nbsp;98.39% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.61% |  |  |  |  |
| &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 **10**

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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Selene
Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Grading
Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Exception
Detail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Tape
Discrepancies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental
Data

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Third
Party (TPR) Attestation Form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation
Form 15E

Page **6** of **10**

**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 **10**

**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 **10**

&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 **10**

**APPENDIX B – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **10** of **10**

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2077301 |  | XXXX | XXXX B D A |
| 2059625 |  | XXXX | XXXX D A |
| 2064367 |  | XXXX | XXXX D C A |
| 2077305 |  | XXXX | XXXX A |
| 2077304 |  | XXXX | XXXX C B A |
| 2077314 |  | XXXX | XXXX A |
| 2077124 |  | XXXX | XXXX A C B |
| 2077125 |  | XXXX | XXXX D C A B |
| 2077126 |  | XXXX | XXXX C A |
| 2079080 |  | XXXX | XXXX C A |
| 2077129 |  | XXXX | XXXX D A |
| 2079071 |  | XXXX | XXXX A |
| 2077128 |  | XXXX | XXXX D C A |
| 2081878 |  | XXXX | XXXX D A |
| 2079078 |  | XXXX | XXXX D A |
| 2077132 |  | XXXX | XXXX D A |
| 2077130 |  | XXXX | XXXX C A |
| 2077312 |  | XXXX | XXXX A D |
| 2077308 |  | XXXX | XXXX A |
| 2077322 |  | XXXX | XXXX D A |
| 2081876 |  | XXXX | XXXX D A |
| 2079079 |  | XXXX | XXXX D A |
| 2079082 |  | XXXX | XXXX D A |
| 2077127 |  | XXXX | XXXX D A |
| 2081877 |  | XXXX | XXXX C A |
| 2081885 |  | XXXX | XXXX D B A |
| 2084097 |  | XXXX | XXXX A D |
| 2087747 |  | XXXX | XXXX C D A |
| 2084098 |  | XXXX | XXXX A C B |
| 2077307 |  | XXXX | XXXX D A B |
| 2077315 |  | XXXX | XXXX B A |
| 2079081 |  | XXXX | XXXX B A |
| 2079072 |  | XXXX | XXXX C A D |
| 2077317 |  | XXXX | XXXX D A |
| 2077311 |  | XXXX | XXXX B A |
| 2081890 |  | XXXX | XXXX A |
| 2081892 |  | XXXX | XXXX D A |
| 2081895 |  | XXXX | XXXX D A B |
| 2081883 |  | XXXX | XXXX C A B |
| 2081889 |  | XXXX | XXXX A B |
| 2081893 |  | XXXX | XXXX C A B |
| 2081894 |  | XXXX | XXXX D A B |
| 2085583 |  | XXXX | XXXX D A |
| 2085612 |  | XXXX | XXXX C A B |
| 2085626 |  | XXXX | XXXX C A |
| 2085613 |  | XXXX | XXXX A |
| 2085621 |  | XXXX | XXXX A D |
| 2087745 |  | XXXX | XXXX A |
| 2085615 |  | XXXX | XXXX D C A B |
| 2085617 |  | XXXX | XXXX A D B |
| 2085627 |  | XXXX | XXXX D A |
| 2085618 |  | XXXX | XXXX A |
| 2089923 |  | XXXX | XXXX A |
| 2089924 |  | XXXX | XXXX A |
| 2089925 |  | XXXX | XXXX C D A |
| 2089926 |  | XXXX | XXXX C A |
| 2085628 |  | XXXX | XXXX D A |
| 2089928 |  | XXXX | XXXX D A |
| 2085616 |  | XXXX | XXXX A |
| 2087744 |  | XXXX | XXXX A |
| 2089929 |  | XXXX | XXXX A |
| 2058667 |  | XXXX | XXXX C D A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 2077301 |  |  | Closed | 2025-05-30 11:56 | 2025-06-06 10:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Mortgage | Resolved-Clarification received - Due Diligence Vendor-06/06/2025 <br> Ready for Review-PER XXXX, SEE THE BELOW, PLEASE CONFIRM WITH YOUR SOURCES AND CLEAR PLEASE.<br> DocMagic has updated it's Ohio uniform instruments to have the title read "Open-End Mortgage" per Ohio Rev. Code § 5301.232(A). The words "OPEN-END MORTGAGE"<br> should appear at the top of any (i.e., closed end or open end) mortgage used in Ohio in order to secure future advances made to protect the collateral. This is necessary in order for the creditor to be fully secured to the extent it makes such advances to protect the collateral. - Buyer-06/05/2025 <br> Counter-Thank you for the clarification. We have not seen this as the case in XXXX. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document department states this is customary for this state. - Buyer-06/03/2025 <br> Open-Mortgage is open end, please advise. - Due Diligence Vendor-05/30/2025 |  | Resolved-Clarification received - Due Diligence Vendor-06/06/2025<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4286340 | N/A | N/A |
| XXXX | 2077301 |  |  | Closed | 2025-05-27 00:56 | 2025-05-30 11:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception provided on page #XXXX for XXXX% LTV Cash out - Due Diligence Vendor-05/27/2025 |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception provided on page #XXXX for XXXX% LTV Cash out - Due Diligence Vendor-05/27/2025 |  |  | Self employed XXXX+<br> Residual Income $XXXX. Minimum Residual Income required per guidelines is $XXXX. | OH | Primary Residence | Refinance | Cash Out - Other | 4240369 | Originator Pre-Close | Yes |
| XXXX | 2077301 |  |  | Closed | 2025-05-27 02:10 | 2025-05-27 02:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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 #XXXX and the Final Closing disclosure on Pg # reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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 #XXXX and the Final Closing disclosure on Pg # reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/27/2025 |  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4240593 | N/A | N/A |
| XXXX | 2059625 |  |  | Closed | 2025-06-03 10:41 | 2025-06-13 03:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employment Business Narrative uploaded , Verified & entered in system - Resolved<br>- Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Business Narrative - Seller-06/12/2025 <br>Open-Self-employment business narrative document to determine nature of business, number of employees, and ownership% is missing from file.<br> - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Business Narrative - Seller-06/12/2025<br>| Resolved-Self-Employment Business Narrative uploaded , Verified & entered in system - Resolved<br>- Due Diligence Vendor-06/13/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4315500 | N/A | N/A |
| XXXX | 2059625 |  |  | Closed | 2025-06-03 08:41 | 2025-06-06 06:11 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-In file Fraud report has uncleared alerts, provided updated fraud report, Changes made in system, Finding Resolved - Due Diligence Vendor-06/06/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-06/05/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-06/05/2025<br>| Resolved-In file Fraud report has uncleared alerts, provided updated fraud report, Changes made in system, Finding Resolved - Due Diligence Vendor-06/06/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4312082 | N/A | N/A |
| XXXX | 2059625 |  |  | Closed | 2025-06-03 08:28 | 2025-06-05 06:04 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested SSR with LCA score of XXXX Provided hence resolved.<br> - Due Diligence Vendor-06/05/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-06/04/2025 <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 XXXX Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. XXXX - Seller-06/04/2025<br>| Resolved-Requested SSR with LCA score of XXXX Provided hence resolved.<br> - Due Diligence Vendor-06/05/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/05/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4311878 | N/A | N/A |
| XXXX | 2059625 |  |  | Closed | 2025-06-03 08:37 | 2025-06-05 02:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested signed Final XXXX Provided hence resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Executed Final XXXX - Seller-06/04/2025 <br> Open-The Final XXXX is Incomplete Executed Final XXXX missing from file. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Executed Final XXXX - Seller-06/04/2025 | Resolved-Requested signed Final XXXX Provided hence resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-06/05/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4312037 | N/A | N/A |
| XXXX | 2059625 |  |  | Closed | 2025-07-25 10:54 | 2025-10-08 09:13 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Resolved - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Resolved-Initial CD received with appraisal review fee. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Open- - Due Diligence Vendor-07/25/2025 <br> Open-COC not in file for appraisal review fee added on initial CD. - Due Diligence Vendor-07/25/2025 <br> Open-There are ($XXXX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Resolved - Due Diligence Vendor-10/08/2025 <br>Resolved-Initial CD received with appraisal review fee. - Due Diligence Vendor-08/21/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4949933 | N/A | N/A |
| XXXX | 2077305 |  |  | Closed | 2025-07-25 10:54 | 2025-10-08 08:59 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Counter-COC for appraisal review fee added on initial CD not attached. - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open- - Due Diligence Vendor-07/25/2025 <br>Open-COC not in file for appraisal review fee added on initial CD. - Due Diligence Vendor-07/25/2025 <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: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/25/2025 <br>Open- - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved- - Due Diligence Vendor-10/08/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4949934 | N/A | N/A |
| XXXX | 2077305 |  |  | Closed | 2025-07-10 14:41 | 2025-07-25 11:52 | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD date violation; receipt date of initial Closing Disclosure can't be determined | Resolved-Initial XXXX received - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Please provide initial XXXX - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Initial CD received - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4773220 | N/A | N/A |
| XXXX | 2077314 |  |  | Closed | 2025-07-25 10:54 | 2025-07-25 11:52 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Data updated as initial received XXXX - Due Diligence Vendor-07/25/2025 <br> Resolved- - Due Diligence Vendor-07/25/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 |  | Resolved-Data updated as initial receivedXXXX - Due Diligence Vendor-07/25/2025 |  |  |  | WA | Primary Residence | Purchase | NA | 4949935 | N/A | N/A |
| XXXX | 2077314 |  |  | Closed | 2025-07-07 08:45 | 2025-07-25 04:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/25/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not missing. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Borrower XXXX Gap Credit Report is Missing Gap credit report is missing in file. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Gap credit report is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/25/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 4687737 | N/A | N/A |
| XXXX | 2077124 |  |  | Closed | 2025-07-31 00:03 | 2025-08-06 08:53 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledged missing anti-steering disclosure - Due Diligence Vendor-08/06/2025 <br>Ready for Review-XXXX acknowledges missing disc - Buyer-08/05/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure which is missing in file. - Due Diligence Vendor-07/31/2025 |  | Acknowledged-Client acknowledged missing anti-steering disclosure - Due Diligence Vendor-08/06/2025<br>|  |  |  | FL | Second Home | Purchase | NA | 5003235 | Investor Post-Close | No |
| XXXX | 2077124 |  |  | Closed | 2025-07-31 05:09 | 2025-08-06 04:46 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Income Qualified with personal bank statements, loan Approval shows Business Bank statements, provided updated Loan Approval, Finding Resolved - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/05/2025 <br> Open-Borrower is qualifying with XXXX months personal bank statements, Loan approval is showing as XXXX months business bank statements which is incorrect required updated document - Due Diligence Vendor-07/31/2025 |  | Resolved-Income Qualified with personal bank statements, loan Approval shows Business Bank statements, provided updated Loan Approval, Finding Resolved - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 5004162 | N/A | N/A |
| XXXX | 2077124 |  |  | Closed | 2025-08-11 15:37 | 2025-08-14 10:12 | Waived | 2 - Non-Material C B | Property | Property | Property is listed for sale | Waived-Home listed for sale/ cancellation < XXXX days w/ cash out. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/13/2025 <br> Counter-Unable to open listing cancellation document. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/12/2025 <br> Open-The subject is currently listed. The listing must be cancelled prior to closing. Cash out refinances are eligible after XXXX days from the listing cancellation date. - Due Diligence Vendor-08/11/2025 |  | Waived-Home listed for sale/ cancellation < 90 days w/ cash out. - Due Diligence Vendor-08/14/2025<br>| XXXX |  | Residual income $XXXX required $XXXX<br> DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Self employed same business XXXX+ years, XXXX years required per guidelines | FL | Primary Residence | Refinance | Cash Out - Other | 5138286 | Originator Post-Close | Yes |
| XXXX | 2077124 |  |  | Closed | 2025-08-07 01:35 | 2025-08-07 01:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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 XXXX and the Final Closing disclosure on Pg#'s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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 XXXX and the Final Closing disclosure on Pg#'s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/07/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5088120 | N/A | N/A |
| XXXX | 2077125 |  |  | Closed | 2025-08-22 02:29 | 2025-08-28 06:54 | Cured | 2 - Non-Material C B | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Cured-Evidence of cure check sent provided and XXXX updated. - Due Diligence Vendor-08/28/2025 <br> Open- - Due Diligence Vendor-08/28/2025 <br> Cured-Cure check sent. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. $XXXX cure check, lox, PCCD and Tracking - Seller-08/27/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Open-Section XXXX of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. XXXX) does not allow Document Preparation Fee (Fee ID: XXXX) to be charged to the Borrower in NJ. Section XXXX of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C.XXXX) does not allow Document Preparation Fee (Fee ID: XXXX) to be charged to the Borrower in NJ - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. $XXXX cure check, lox, PCCD and Tracking - Seller-08/27/2025 | Cured-Evidence of cure check sent provided and PCCD updated. - Due Diligence Vendor-08/28/2025 <br>Cured-Cure check sent. - Due Diligence Vendor-08/28/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5277066 | N/A | N/A |
| XXXX | 2077125 |  |  | Closed | 2025-08-22 01:28 | 2025-08-26 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Worksheet provided and updated. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Income worksheets - Seller-08/25/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income worksheet is missing in the file - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Income worksheets - Seller-08/25/2025<br>| Resolved-Worksheet provided and updated. - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5276860 | N/A | N/A |
| XXXX | 2077126 |  |  | Closed | 2025-08-22 02:00 | 2025-08-26 05:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Cleared Fraud Report Uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/26/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/25/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Gl version XXXX page XXXX, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/25/2025<br>| Resolved-Cleared Fraud Report Uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/26/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5276963 | N/A | N/A |
| XXXX | 2079080 |  |  | Closed | 2025-08-22 01:20 | 2025-08-26 01:33 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Updated title report with correct loan amount - Seller-08/22/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount As per GL version XXXX page XXXX, Title policy should cover the loan amount but Given title coverage amount of $XXXX is less than loan Amount $XXXX. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Updated title report with correct loan amount - Seller-08/22/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/26/2025 | XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5276835 | N/A | N/A |
| XXXX | 2079080 |  |  | Closed | 2025-09-03 04:40 | 2025-09-08 17:14 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Updated Title for Loan Amount - Seller-09/08/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide Sufficient coverage, Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Updated Title for Loan Amount - Seller-09/08/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/08/2025 | XXXX |  |  | PA | Primary Residence | Purchase | NA | 5389728 | N/A | N/A |
| XXXX | 2077129 |  |  | Closed | 2025-09-03 07:31 | 2025-09-07 07:26 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary. Updated property page. - Due Diligence Vendor-09/07/2025 <br>Ready for Review-Document Uploaded. XXXX - Seller-09/05/2025 <br>Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. XXXX - Seller-09/05/2025<br>| Resolved-Received secondary. Updated property page. - Due Diligence Vendor-09/07/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 5391498 | N/A | N/A |
| XXXX | 2079071 |  |  | Closed | 2025-09-03 04:22 | 2025-09-09 05:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/09/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # XXXX a clear fraud report is required. The fraud report in file (page # XXXX) is showing XXXX high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/08/2025<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/09/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 5389627 | N/A | N/A |
| XXXX | 2079071 |  |  | Closed | 2025-09-04 00:28 | 2025-09-11 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower XXXX XXXX Party VOE Prior to Close Was Provided. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. VVOE - Seller-09/11/2025 <br> Open-XXXX XXXX XXXX Party VOE Prior to Close Missing • Borrower XXXX is a waged employee. The file is missing a VVOE from less than XXXX days before closing. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. VVOE - Seller-09/11/2025<br>| Resolved-Borrower 2 XXXX Party VOE Prior to Close Was Provided. - Due Diligence Vendor-09/11/2025 | XXXX |  |  | CO | Primary Residence | Purchase | NA | 5404628 | N/A | N/A |
| XXXX | 2079071 |  |  | Closed | 2025-09-04 01:05 | 2025-09-09 05:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/09/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of XXXX High alert, which was not cleared. Please provide the documentation that shows the alert was reviewed & cleared. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/08/2025<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/09/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 5404764 | N/A | N/A |
| XXXX | 2079071 |  |  | Closed | 2025-09-04 02:41 | 2025-09-08 13:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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 # XXXX the Final Closing disclosure on page # XXXX reflects escrows. Rate lock on page # XXXX. An interior and exterior appraisal was completed for this property – see page # XXXX and the appraisal disclosure was provided to the borrower(s) is- missing from file and confirmation the appraisal was delivered to the borrower(s) is - see page # XXXX, XXXX. The loan doesn't meet HPML guidelines. - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/04/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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 # XXXX the Final Closing disclosure on page # XXXX reflects escrows. Rate lock on page # XXXX. An interior and exterior appraisal was completed for this property – see page # XXXX and the appraisal disclosure was provided to the borrower(s) is- missing from file and confirmation the appraisal was delivered to the borrower(s) is - see page # XXXX, XXXX. The loan doesn't meet HPML guidelines. - Due Diligence Vendor-09/08/2025 |  |  |  | MN | Primary Residence | Purchase | NA | 5405077 | N/A | N/A |
| XXXX | 2079071 |  |  | Closed | 2025-09-04 00:25 | 2025-09-12 11:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC and CD for XXXX made updates and reran and got all clear. - Due Diligence Vendor-09/12/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/11/2025 <br> Ready for Review- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded.XXXX - Seller-09/08/2025 <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: Title Search. 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)). Title Search fee is newly added in final CD. Provide a valid COC or sufficient lender credits to cur this. - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. XXXX - Seller-09/08/2025 | Resolved-Received COC and CD for XXXX made updates and reran and got all clear. - Due Diligence Vendor-09/12/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/11/2025 | XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 5404615 | N/A | N/A |
| XXXX | 2079071 |  |  | Closed | 2025-09-03 23:35 | 2025-09-11 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Updated credit page received prior property report for prior residence that sold. Updated to XXXX months. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Updated XXXX for housing history with the below to support - Seller-09/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the guidelineXXXX page # XXXX, the borrower is required to have a XXXX month housing history. The file contains a credit report on page # XXXX with months reviewed of XXXX months. Document housing history is short by XXXX months. <br> - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Updated XXXX for housing history with the below to support - Seller-09/11/2025 | Resolved-Updated credit page received prior property report for prior residence that sold. Updated to XXXX months. - Due Diligence Vendor-09/11/2025 | XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 5404423 | N/A | N/A |
| XXXX | 2077128 |  |  | Closed | 2025-09-03 23:45 | 2025-09-11 03:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # XXXX a clear fraud report is required. The fraud report in file (page # XXXX) is showing XXXX high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/10/2025<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025<br>| XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 5404456 | N/A | N/A |
| XXXX | 2077128 |  |  | Closed | 2025-09-03 23:08 | 2025-09-11 02:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower XXXX XXXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Bank Statement file. No VVOE required. Attached is evidence business Is active - Seller-09/10/2025 <br> Open-Borrower XXXX XXXX Party VOE Prior to Close Missing Provide VVOE as it is missing from file. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Bank Statement file. XXXX required. Attached is evidence business Is active - Seller-09/10/2025 | Resolved-Borrower XXXX XXXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/11/2025 | XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 5404333 | N/A | N/A |
| XXXX | 2077128 |  |  | Closed | 2025-09-04 00:01 | 2025-09-09 17:27 | 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-Updated TRID page. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-09/08/2025 <br> Open-Title - Settlement / Closing Fee is paid to a provider that is not on providers list, but the fee is still in section B, move this fee to section C. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. PCCD - Seller-09/08/2025<br>| Resolved-Updated TRID page. - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 5404531 | N/A | N/A |
| XXXX | 2077128 |  |  | Closed | 2025-09-03 23:04 | 2025-09-09 04:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Policy uploaded verifying Title Coverage Amount of $XXXX is equal to the Total Amount of Subject Lien - Resolved - Due Diligence Vendor-09/09/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Title Policy - Seller-09/08/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide updated title covering full loan amount as the one on file is showing proposed insurance amount as $XXXX which is less than the loan amount of $XXXX. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-09/08/2025<br>| Resolved-Short Form Policy uploaded verifying Title Coverage Amount of $XXXX is equal to the Total Amount of Subject Lien - Resolved - Due Diligence Vendor-09/09/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/09/2025 | XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 5404323 | N/A | N/A |
| XXXX | 2081878 |  |  | Closed | 2025-09-08 08:20 | 2025-09-12 05:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-updated asset page - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Statement for the sale of their property - Seller-09/11/2025 <br>Counter-Need the final statement for the proceeds from sale of the home. One in the file is estimate only. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Please provide clarification - Seller-09/08/2025 <br>Open- - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Statement for the sale of their property - Seller-09/11/2025 <br>Ready for Review-Please provide clarification - Seller-09/08/2025<br>| Resolved-updated asset page - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5447332 | N/A | N/A |
| XXXX | 2081878 |  |  | Closed | 2025-09-04 04:56 | 2025-09-11 04:04 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 296) is showing 2 high and 1 medium uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/10/2025<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5405736 | N/A | N/A |
| XXXX | 2081878 |  |  | Closed | 2025-09-04 04:45 | 2025-09-11 02:22 | Resolved | 1 - Information C A | Credit | Credit | Subject hazard Insurance policy coverage is insufficient. | Resolved-Replacement Cost Estimator provided. Updated & resolved. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. RCE - Seller-09/10/2025 <br> Open-Provide RCE document as hazard coverage of $XXXX is not for the full loan amount of $XXXX. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. RCE - Seller-09/10/2025<br>| Resolved-Replacement Cost Estimator provided. Updated & resolved. - Due Diligence Vendor-09/11/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5405653 | N/A | N/A |
| XXXX | 2079078 |  |  | Closed | 2025-09-04 04:37 | 2025-09-09 05:19 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-09/09/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-09/08/2025 <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 XXXX The loan requires a secondary valuation or a UCDP report with a XXXX or less from CU and/or LCA.<br> - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. XXXX - Seller-09/08/2025<br>| Resolved-XXXX (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-09/09/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5405622 | N/A | N/A |
| XXXX | 2079078 |  |  | Closed | 2025-09-08 08:09 | 2025-09-23 13:24 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rent-Free letter of both residences was received. Housing History Meets Guideline Requirements. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. LOE - Seller-09/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements • Per the Final 1003, the borrower has lived Rent-Free at a property on XXXX for XXXX months. and another property on XXXX rent-free for XXXX years. To complete a required 12-month housing verification, Rent-Free verification letters from the owners at both residences are needed. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. LOE - Seller-09/23/2025<br>| Resolved-Rent-Free letter of both residences was received. Housing History Meets Guideline Requirements. - Due Diligence Vendor-09/23/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 5447083 | N/A | N/A |
| XXXX | 2079078 |  |  | Closed | 2025-09-05 05:50 | 2025-09-16 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-The missing Bank Statement was received. Income was recalculated by the Lender ($XXXX) and by the Auditor ($XXXX). A new XXXX was received showing the income at $XXXX. However, the Initial 1003 discloses income of only $XXXX. Since the stated initial income of $12,500 is still lower than the verified income of $XXXX, the initial stated income should be used for qualifying. However, since this does not change the information on the true Final 1003 or 1008, this issue is considered resolved as-is. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Bank Statement with updated Income and 1003/1008 - Seller-09/16/2025 <br> Counter-Incorrect document received for an incorrect loan. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Final SS showing Gift of Equity - Seller-09/15/2025 <br> Open-Borrower 1 Business Bank Statements Missing • Income Qualifying with 12 months business bank statements. Missing bank statement #XXXX for the month of December XXXX. The Bank Statement, or an LOX why there is none, is needed. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Bank Statement with updated Income and 1003/1008 - Seller-09/16/2025 <br>Ready for Review-Document Uploaded. Final SS showing Gift of Equity - Seller-09/15/2025<br>| Resolved-The missing Bank Statement was received. Income was recalculated by the Lender ($XXXX) and by the Auditor ($XXXX). A new XXXX was received showing the income at $XXXX. However, the Initial 1003 discloses income of only $XXXX. Since the stated initial income of $XXXX is still lower than the verified income of $XXXX, the initial stated income should be used for qualifying. However, since this does not change the information on the true Final XXXX or XXXX, this issue is considered resolved as-is. - Due Diligence Vendor-09/16/2025 | XXXX |  |  | WA | Primary Residence | Purchase | NA | 5423665 | N/A | N/A |
| XXXX | 2079078 |  |  | Closed | 2025-09-05 00:13 | 2025-09-11 14:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/11/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 3 High alerts, only 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/11/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 5421348 | N/A | N/A |
| XXXX | 2077132 |  |  | Closed | 2025-09-09 08:10 | 2025-09-16 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/16/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/16/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5464096 | N/A | N/A |
| XXXX | 2077132 |  |  | Closed | 2025-09-03 00:53 | 2025-09-16 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report was provided. Ok, per guidelines, to be after Closing. No new debt, even though it was reported as frozen through XPN. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-09/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing • Borrower's Gap Credit Report is missing. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-09/16/2025<br>| Resolved-Borrower 1 Gap Credit Report was provided. Ok, per guidelines, to be after Closing. No new debt, even though it was reported as frozen through XPN. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5388794 | N/A | N/A |
| XXXX | 2077132 |  |  | Closed | 2025-09-09 08:42 | 2025-09-09 16:55 | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD disclosure violation; missing estimated taxes, insurance and assessments on Closing Disclosure. | Resolved-PCCD with the correct Taxes/Insurance/Assessment amount was received. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. PCCD with the amounts updated, please see attached. This matches the UW figures and insurance/tax/hoa documentation in file, as well as the proposed housing expense screen - Seller-09/09/2025 <br> Open-• Discrepancy on the "Estimated Taxes, Insurance & Assessments" section. Per the document, the estimated taxes/insurance/HOA is $XXXX per month. However, per the 1008 it is $XXXX (taxes) + $XXXX (insurance) + $XXXX (HOA) = $XXXX per month. The audit review matches that of the 1008. Unable to determine the source calculation of the $XXXX on the Final CD. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. PCCD with the amounts updated, please see attached. This matches the UW figures and insurance/tax/hoa documentation in file, as well as the proposed housing expense screen - Seller-09/09/2025<br>| Resolved-PCCD with the correct Taxes/Insurance/Assessment amount was received. - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5464761 | N/A | N/A |
| XXXX | 2077130 |  |  | Closed | 2025-09-03 03:42 | 2025-09-09 13:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Document received. Validation resolved. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Receipt of Documents - Seller-09/09/2025 <br>Open-Texas Home Equity Receipt Of Documents is Missing • File is missing evidence the borrower received the closing documents. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Receipt of Documents - Seller-09/09/2025<br>| Resolved-Document received. Validation resolved. - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5389382 | N/A | N/A |
| XXXX | 2077130 |  |  | Closed | 2025-09-08 01:57 | 2025-09-12 01:00 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-12 months Rent proofs provided. Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-09/12/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. VOR documents - Seller-09/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version XXXX on page#27, the borrower is required to have a XXXX months housing history. Primary Mortgage or Rent Months updated as 0 due Borrower rents the primary residence for $XXXX at " XXXX. " but there is no XXXX months rent history and there is no VOR available in the file.<br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. VOR documents - Seller-09/11/2025<br>| Resolved-12 months Rent proofs provided. Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-09/12/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5444445 | N/A | N/A |
| XXXX | 2077308 |  |  | Closed | 2025-09-08 03:15 | 2025-09-08 04:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#'s477 and the Final Closing disclosure on Pg#'s275, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s573,557,271. An interior and exterior appraisal was completed for this property – see pg#'s46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s260,261. and confirmation the appraisal was delivered to the borrower – see Pg#'348. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#'s477 and the Final Closing disclosure on Pg#'s275, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s573,557,271. An interior and exterior appraisal was completed for this property – see pg#'s46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s260,261. and confirmation the appraisal was delivered to the borrower – see Pg#'348. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-09/08/2025 |  |  |  | CA | Primary Residence | Purchase | NA | 5444670 | N/A | N/A |
| XXXX | 2077308 |  |  | Closed | 2025-09-08 03:15 | 2025-09-08 04:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX);XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#'s477 and the Final Closing disclosure on Pg#'s275, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s573,557,271. An interior and exterior appraisal was completed for this property – see pg#'s46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s260,261. and confirmation the appraisal was delivered to the borrower – see Pg#'348. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX); XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#'s477 and the Final Closing disclosure on Pg#'s275, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s573,557,271. An interior and exterior appraisal was completed for this property – see pg#'s46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s260,261. and confirmation the appraisal was delivered to the borrower – see Pg#'348. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-09/08/2025 |  |  |  | CA | Primary Residence | Purchase | NA | 5444671 | N/A | N/A |
| XXXX | 2077308 |  |  | Closed | 2025-09-05 03:45 | 2025-09-10 06:13 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-09/10/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-09/09/2025 <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 Per the Guideline version XXXX on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX orXXXX report with a score less than XXXX, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. XXXX - Seller-09/09/2025<br>| Resolved-XXXX (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-09/10/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/10/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 5422295 | N/A | N/A |
| XXXX | 2077308 |  |  | Closed | 2025-09-05 04:29 | 2025-09-08 16:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#'s171 and the Final Closing disclosure on Pg#'s73, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s184,176,72. An interior and exterior appraisal was completed for this property – see pg#'s26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s220. and confirmation the appraisal was delivered to the borrower – see Pg#'100. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/05/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#'s171 and the Final Closing disclosure on Pg#'s73, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s184,176,72. An interior and exterior appraisal was completed for this property – see pg#'s26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s220. and confirmation the appraisal was delivered to the borrower – see Pg#'100. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-09/05/2025 |  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 5422606 | N/A | N/A |
| XXXX | 2077322 |  |  | Closed | 2025-09-09 15:54 | 2025-09-12 09:38 | 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-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Dated VOE Prior to Close Missing. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 5475256 | N/A | N/A |
| XXXX | 2077322 |  |  | Closed | 2025-09-09 01:31 | 2025-09-12 06:38 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Proof of proceeds from sale is missing in file, provided Wire document, changes made in system, Finding Resolved - Due Diligence Vendor-09/12/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/11/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Asset 2: Proof of proceeds from real estate property in the amount of $XXXX is missing from the file. - Due Diligence Vendor-09/09/2025 |  | Resolved-Proof of proceeds from sale is missing in file, provided Wire document, changes made in system, Finding Resolved - Due Diligence Vendor-09/12/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 5461192 | N/A | N/A |
| XXXX | 2081876 |  |  | Closed | 2025-09-09 02:47 | 2025-09-09 15:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#598 and the Final Closing disclosure on Pg #273 reflects escrows. Rate lock date was entered correctly – see Pg #272 An interior and exterior appraisal was completed for this property – see pg #36-41, the appraisal disclosure was provided to the borrower(s)- see Pg#629, and copy of the appraisal was given to the borrower – see Pg#28 for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, 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#598 and the Final Closing disclosure on Pg #273 reflects escrows. Rate lock date was entered correctly – see Pg #272 An interior and exterior appraisal was completed for this property – see pg #36-41, the appraisal disclosure was provided to the borrower(s)- see Pg#629, and copy of the appraisal was given to the borrower – see Pg#28 for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-09/09/2025 |  |  |  | MD | Primary Residence | Purchase | NA | 5461403 | N/A | N/A |
| XXXX | 2081876 |  |  | Closed | 2025-09-09 02:47 | 2025-09-09 15:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%). (XXXX; XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, 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#598 and the Final Closing disclosure on Pg #273 reflects escrows. Rate lock date was entered correctly – see Pg #272 An interior and exterior appraisal was completed for this property – see pg #36-41, the appraisal disclosure was provided to the borrower(s)- see Pg#629, and copy of the appraisal was given to the borrower – see Pg#28 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 |  | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%). (XXXX) This loan failed the higher-priced mortgage loan test. XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, 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#598 and the Final Closing disclosure on Pg #273 reflects escrows. Rate lock date was entered correctly – see Pg #272 An interior and exterior appraisal was completed for this property – see pg #36-41, the appraisal disclosure was provided to the borrower(s)- see Pg#629, and copy of the appraisal was given to the borrower – see Pg#28 for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-09/09/2025 |  |  |  | MD | Primary Residence | Purchase | NA | 5461402 | N/A | N/A |
| XXXX | 2081876 |  |  | Closed | 2025-09-08 12:40 | 2025-09-10 09:04 | Resolved | 1 - Information D A | Credit | Credit | Spousal Consent Missing | Resolved-Validation Resolved' - Due Diligence Vendor-09/10/2025 <br>Resolved-Warranty Deed received with disclaimer. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/09/2025 <br>Open-Disclaimer deed page 376 but no spousal consent is present. - Due Diligence Vendor-09/08/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-09/10/2025 <br>Resolved-Warranty Deed received with disclaimer. - Due Diligence Vendor-09/10/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 5454347 | N/A | N/A |
| XXXX | 2081876 |  |  | Closed | 2025-09-07 22:09 | 2025-09-10 01:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-09/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/09/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX - Due Diligence Vendor-09/08/2025 |  | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-09/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/10/2025 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 5443758 | N/A | N/A |
| XXXX | 2081876 |  |  | Closed | 2025-09-06 12:59 | 2025-09-26 01:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Active business provided. VVOE not required for self employed borrowers. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Business Statement file. No VVOE needed. Evidence business active attached - Seller-09/15/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. As per the GL Version XXXX on page#46 we required VOE dated no more than 10 calendar days prior to Note date.<br> - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. Business Statement file. No VVOE needed. Evidence business active attached - Seller-09/15/2025<br>| Resolved-Active business provided. VVOE not required for self employed borrowers. - Due Diligence Vendor-09/18/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5440329 | N/A | N/A |
| XXXX | 2079079 |  |  | Closed | 2025-09-07 00:30 | 2025-09-26 01:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 XXXX Letter Provided. Resolved - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. XXXX Letter - Seller-09/25/2025 <br> Open-Borrower 1 XXXX Letter Missing for employer " XXXX ". - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. CPA Letter - Seller-09/25/2025<br>| Resolved-Borrower 1 CPA Letter Provided. Resolved - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5441418 | N/A | N/A |
| XXXX | 2079079 |  |  | Closed | 2025-09-06 13:46 | 2025-09-25 02:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated Hazard Insurance Policy provided with Policy Number. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Updated HOI - Seller-09/24/2025 <br> Open-Hazard Insurance Policy Partially Provided Missing XXXX. - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. Updated HOI - Seller-09/24/2025<br>| Resolved-Updated Hazard Insurance Policy provided with Policy Number. - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5440479 | N/A | N/A |
| XXXX | 2079079 |  |  | Closed | 2025-09-06 13:56 | 2025-09-16 05:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/15/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline VersionXXXX on page#26 a clear fraud report is required. The fraud report in file pg#477 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/15/2025<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/16/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5440503 | N/A | N/A |
| XXXX | 2079079 |  |  | Closed | 2025-09-07 00:28 | 2025-09-16 04:28 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated XXXX by updating HOI Monthly Amount Provided, updated & Condition resolved.<br> - Due Diligence Vendor-09/16/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Updated XXXX - Seller-09/15/2025 <br> Open-The 1008 document is missing from the loan file. Provide the updated 1008 with HOI Monthly Premium amount $XXXX. Different in 1008 and HOI Document, 1008 Dos showing as HOI Monthly Premium is $XXXX But HOI & Final CD on page#494,335 Document showing as $XXXX. - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-09/15/2025<br>| Resolved-Requested updated 1008 by updating HOI Monthly Amount Provided, updated & Condition resolved.<br> - Due Diligence Vendor-09/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 5441414 | N/A | N/A |
| XXXX | 2079079 |  |  | Closed | 2025-09-06 02:25 | 2025-09-18 07:33 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXis equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-09/18/2025 <br> Resolved-Insurance (XXXX Units) with updated 1008 provided.Updated & Resolved.<br> - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Insurance (Front and Back Units) with updated 1008 - Seller-09/16/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'N/A' Provide XXXX document as hazard coverage of $XXXX is less than the loan amount of $XXXX. - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. Insurance (XXXX) with updated 1008 - Seller-09/16/2025 | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'XXXX) - Due Diligence Vendor-09/18/2025 <br> Resolved-Insurance (XXXX) with updated 1008 provided.Updated & Resolved.<br> - Due Diligence Vendor-09/17/2025 | XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5438191 | N/A | N/A |
| XXXX | 2079082 |  |  | Closed | 2025-09-06 02:25 | 2025-09-18 07:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Insurance (Front and Back Units) with updated 1008 - Seller-09/16/2025 <br> Open-Hazard Insurance Policy Partially Provided Per lender loan information doc on page # 635, hazard insurance is $XXXX which is used in all closing documents however hazard insurance doc on page #304 shows insurance amount as $XXXX annually or $XXXX monthly. - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. Insurance (XXXX) with updated 1008 - Seller-09/16/2025 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/18/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5438192 | N/A | N/A |
| XXXX | 2079082 |  |  | Closed | 2025-09-06 02:54 | 2025-09-17 00:35 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-not a XXXX loan - Due Diligence Vendor-09/17/2025 <br> Ready for Review-As a multi-unit the property is not eligible for XXXX as. XXXX as only applies to single family homes, therefore this is correct as non-homestead & is treated as a standard C/O loan - Seller-09/11/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open-The Texas Constitution prohibits fees from exceeding XXXX% of the principal balance on a non-purchase money loan. (XXXX) Per Mavent report XXXX Constitution XXXX% Limit, however total XXXX% fees per CD is $XXXX - Due Diligence Vendor-09/06/2025 <br> Open- - Due Diligence Vendor-09/06/2025 <br> Open- - Due Diligence Vendor-09/06/2025 | Ready for Review-As a multi-unit the property is not eligible for XXXX as. XXXXas only applies to single family homes, therefore this is correct as non-homestead & is treated as a standard C/O loan - Seller-09/11/2025 | Resolved-not a XXXX loan - Due Diligence Vendor-09/17/2025 |  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5438267 | N/A | N/A |
| XXXX | 2079082 |  |  | Closed | 2025-09-06 02:54 | 2025-09-17 00:35 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved-Not a XXXX file - Due Diligence Vendor-09/17/2025 <br> Ready for Review-As a multi-unit the property is not eligible for XXXX as. XXXXas only applies to single family homes, therefore this is correct as non-homestead & is treated as a standard C/O loan - Seller-09/11/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open-The XXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XXXX) Per Mavent report XXXX Constitution 2% Limit, however total 2% fees per CD is $XXXX. - Due Diligence Vendor-09/06/2025 <br> Open- - Due Diligence Vendor-09/06/2025 <br> Open- - Due Diligence Vendor-09/06/2025 | Ready for Review-As a multi-unit the property is not eligible for XXXXas. XXXX as only applies to single family homes, therefore this is correct as non-homestead & is treated as a standard C/O loan - Seller-09/11/2025 | Resolved-Not a XXXX file - Due Diligence Vendor-09/17/2025 |  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5438266 | N/A | N/A |
| XXXX | 2079082 |  |  | Closed | 2025-09-09 11:32 | 2025-09-15 07:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Corrected page 2 of the DOT with box checked for 1-4 Family Rider and LOI to RR - Seller-09/12/2025 <br>Open-The Deed of Trust is Incomplete 1-4 rider provided, however, the box is not selected on the Deed of trust - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Corrected page 2 of the DOT with box checked for 1-4 Family Rider and LOI to XXXX - Seller-09/12/2025 | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/15/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5469490 | N/A | N/A |
| XXXX | 2077127 |  |  | Closed | 2025-09-10 06:33 | 2025-09-15 05:38 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Correct XXXX received. Issue resolved. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-09/12/2025 <br> Counter-The XXXX dated XXXX that was just provided still shows the HOA amount in the "Estimated Taxes, Insurance & Assessments" section. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-09/12/2025 <br> Counter-Corrected 1008 received showing no HOA. However, the Final CD that was given to the borrower still shows the $XXXX fee (Page #1: "Estimated Taxes, Insurance & Assessments" section & Page #4: "Non-Escrowed Property Costs over Year 1." A XXXX to remove that fee from those 2 sections is needed. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-09/11/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents • Both the 1008 and the Final CD / PCCD show an HOA amount of $XXXX . However, this fee could not be verified with any documentation provided in the file. Either (a) the 1008 and the CD's are incorrect, or (b) there is missing documentation of the HOA amount. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. XXXX - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. XXXX- Seller-09/12/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-09/11/2025 | Resolved-Correct XXXXreceived. Issue resolved. - Due Diligence Vendor-09/15/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5479603 | N/A | N/A |
| XXXX | 2077127 |  |  | Closed | 2025-09-06 02:43 | 2025-09-12 05:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/11/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 7 High alerts, only 5 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/11/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5438238 | N/A | N/A |
| XXXX | 2081877 |  |  | Closed | 2025-09-06 10:28 | 2025-09-12 05:47 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 with corrected Tax amount provided. - Due Diligence Vendor-09/12/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-09/11/2025 <br> Open-The 1008 document is missing from the loan file. • The 1008 document has an incorrect amount for Property Taxes. The 1008 shows $XXXX, but the Final CD and the First Payment Letter shows $XXXX. - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-09/11/2025<br>| Resolved-Updated 1008 with corrected Tax amount provided. - Due Diligence Vendor-09/12/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5439870 | N/A | N/A |
| XXXX | 2081877 |  |  | Closed | 2025-09-06 02:20 | 2025-09-12 00:49 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with correct FICO score provided. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-09/11/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' 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." B1 has $XXXX k in qualifying income, while B2 has $XXXXk. Therefore, the FICO for B2 with the higher income should be used. - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-09/11/2025<br>| Resolved-Updated 1008 with correct FICO score provided. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5438159 | N/A | N/A |
| XXXX | 2081877 |  |  | Closed | 2025-09-07 22:56 | 2025-09-11 07:15 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Foreclosure Prevention Fee listed on final settlement statement provided. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Certified copy of the Final HUD1 showing $XXXX Foreclosure Prevention Fee paid to XXXX State Dept of Commerce (see at bottom under 'Additional Settlement Charges') - Seller-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open-XXXX requires every borrower in a residential mortgage loan to pay an $XXXX Foreclosure Prevention Fee. The System did not find an $XXXX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXX Foreclosure Prevention Fee". "XXXX" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (XXXX) XXXX requires every borrower in a residential mortgage loan to pay an $XXXX Foreclosure Prevention Fee. The System did not find an $XXXXfee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXX Foreclosure Prevention Fee". "XXXX" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (XXXX- Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Certified copy of the Final HUD1 showing $XXXX Foreclosure Prevention Fee paid to XXXX State Dept of Commerce (see at bottom under 'XXXX') - Seller-09/09/2025 | Resolved-Foreclosure Prevention Fee listed on final settlement statement provided. - Due Diligence Vendor-09/11/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5443885 | N/A | N/A |
| XXXX | 2081877 |  |  | Closed | 2025-09-07 22:20 | 2025-09-11 04:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-09/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Guideline version XXXX page 26, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-09/10/2025<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5443782 | N/A | N/A |
| XXXX | 2081877 |  |  | Closed | 2025-09-08 06:06 | 2025-09-30 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Banks statemenys with 12 months evidence of checks for rent provided. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. 12 months statements showing checks paid to landlord. Amounts can differ due to water bill - Seller-09/30/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Borrowers are renting at their primary residence. Provide VOR for 12 months rent history. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. 12 months statements showing checks paid to landlord. Amounts can differ due to water bill - Seller-09/30/2025<br>| Resolved-Banks statemenys with 12 months evidence of checks for rent provided. - Due Diligence Vendor-09/30/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5445522 | N/A | N/A |
| XXXX | 2081877 |  |  | Closed | 2025-09-08 06:29 | 2025-09-30 11:56 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Waived-I-797 extension in file- pending approval does not have approval status in action box per guidelines. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-09/30/2025 <br> Counter-Per page 15 of the guidelines "Must reflect approval status in the Action Block (upper right-hand corner of the form)" - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Review Full employment citizenship documentation and I-765 forms to Kind GLs - Due Diligence Vendor-09/17/2025 <br> Counter- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. The Receipt # from I765 shows this is still processing<br>- Seller-09/11/2025 <br> Open-B2 Non-US citizen document (Employment Authorization) has an expiry date of 02/07/2025 which is expired before note date of XX/XX/XXXX. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-09/30/2025 <br>Ready for Review-Document Uploaded. The Receipt # from I765 shows this is still processing<br>- Seller-09/11/2025<br>| Waived-XXXX extension in file- pending approval does not have approval status in action box per guidelines. - Due Diligence Vendor-09/30/2025 | XXXX |  | 7 months of reserves when only 3 required. Low DTI of XXXX% which is more than XXXX gl max of XXXX% | NC | Primary Residence | Purchase | NA | 5445735 | Originator Post-Close | Yes |
| XXXX | 2081877 |  |  | Closed | 2025-09-08 06:29 | 2025-09-30 11:55 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Waived--797 extension in file- pending approval doesn't have approval status in action box. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-09/30/2025 <br> Counter-Per page 15 of the guidelines "Must reflect approval status in the Action Block (upper right-hand corner of the form)" - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Review Full employment citizenship documentation and I-765 forms to Kind GLs - Due Diligence Vendor-09/17/2025 <br> Counter- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. B1 I765 Receipt # is still showing as processing <br>- Seller-09/11/2025 <br> Open-B1 Non-US citizen document (Employment Authorization) has an expiry date of 02/06/2025 which is expired before note date of XX/XX/XXXX. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-09/30/2025 <br>Ready for Review-Document Uploaded. B1 I765 Receipt # is still showing as processing <br>- Seller-09/11/2025<br>| Waived--XXXX extension in file- pending approval doesn't have approval status in action box. - Due Diligence Vendor-09/30/2025 | XXXX |  | 7 months of reserves when only 3 required. Low DTi of XXXX % which is more than XXXX gl max ofXXXX% | NC | Primary Residence | Purchase | NA | 5445734 | Originator Post-Close | Yes |
| XXXX | 2081877 |  |  | Closed | 2025-09-08 05:48 | 2025-09-17 03:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-09/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Income Worksheet attached - Seller-09/16/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender income worksheet as it is missing from file. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Income Worksheet attached - Seller-09/16/2025<br>| Resolved-Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-09/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-09/17/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5445362 | N/A | N/A |
| XXXX | 2081885 |  |  | Closed | 2025-09-08 05:48 | 2025-09-17 03:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Existence for a minimum of two (2) years as evidenced by operating agreement, verified & entered in system - Resolved. - Due Diligence Vendor-09/12/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Bank statement file no VVOE needed. Attached is operating agreement for file - Seller-09/11/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd party VOE as it is missing from file. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Bank statement file no VVOE needed. Attached is operating agreement for file - Seller-09/11/2025<br>| Resolved-Existence for a minimum of two (2) years as evidenced by operating agreement, verified & entered in system - Resolved. - Due Diligence Vendor-09/12/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5445361 | N/A | N/A |
| XXXX | 2081885 |  |  | Closed | 2025-09-08 08:27 | 2025-09-15 08:18 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing PCCD. | Resolved-Corrected PCCD provided. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD - Seller-09/11/2025 <br> Counter-Note date is XX/XX/XXXX, closing date listed on the PCCD shows as XX/XXXX, please provide updated PCCD with corrected closing date. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. PCCD with correct dates - Seller-09/09/2025 <br> Open-Provide updated PCCD as the one on file showing closing date as XX/XX/XXXX vs XX/XX/XXXX. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Corrected PCCD - Seller-09/11/2025 <br>Ready for Review-Document Uploaded. PCCD with correct dates - Seller-09/09/2025<br>| Resolved-Corrected XXXX provided. - Due Diligence Vendor-09/15/2025 | XXXX |  |  | NC | Primary Residence | Purchase | NA | 5447456 | N/A | N/A |
| XXXX | 2081885 |  |  | Closed | 2025-09-08 06:22 | 2025-09-12 00:53 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Proof for EMD provided. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. 10k EMD - Seller-09/11/2025 <br>Open-Provide proof of document for EMD amount of $10,000 as page#529, 684 shows EMD of $2,000 only. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. 10k EMD - Seller-09/11/2025<br>| Resolved-Proof for EMD provided. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 5445683 | N/A | N/A |
| XXXX | 2081885 |  |  | Closed | 2025-09-08 06:11 | 2025-09-10 02:04 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Second value missing in file, provided LCA/Freddie mac, changes made in system, Finding Resolved - Due Diligence Vendor-09/10/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. XXXX - Seller-09/09/2025 <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 The loan requires a secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA.<br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. XXXX - Seller-09/09/2025<br>| Resolved-Second value missing in file, provided LCA/XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-09/10/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/10/2025 | XXXX |  |  | NC | Primary Residence | Purchase | NA | 5445571 | N/A | N/A |
| XXXX | 2081885 |  |  | Closed | 2025-09-09 06:38 | 2025-09-12 09:31 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- Intent to Proceed Disclosure received. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/11/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-09/09/2025 |  | Resolved- Intent to Proceed Disclosure received. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 5462844 | N/A | N/A |
| XXXX | 2084097 |  |  | Closed | 2025-09-09 04:49 | 2025-09-12 05:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 is missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-09/12/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-The Initial 1003 is Missing Initial 1003 is Missing in file - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Initial 1003 is missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-09/12/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 5461923 | N/A | N/A |
| XXXX | 2084097 |  |  | Closed | 2025-09-09 06:38 | 2025-09-12 05:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Le missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Initial LE is missing in file, hence compliance not runned - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Initial Le missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 5462842 | N/A | N/A |
| XXXX | 2084097 |  |  | Closed | 2025-09-12 05:48 | 2025-09-18 14:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.926%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 368 and the Final Closing disclosure on Pg 149 reflects escrows. Rate lock date was entered correctly – see Pg 141 An interior and exterior appraisal was completed for this property – see pg 63 to 16 the appraisal disclosure was provided to the borrower(s)- see Pg Findings, and copy of the appraisal was given to the borrower – see Pg 54 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/18/2025 <br>Open- - Due Diligence Vendor-09/18/2025 <br>Resolved-The loan's (8.926%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 368 and the Final Closing disclosure on Pg 149 reflects escrows. Rate lock date was entered correctly – see Pg 141 An interior and exterior appraisal was completed for this property – see pg 63 to 16 the appraisal disclosure was provided to the borrower(s)- see Pg Findings, and copy of the appraisal was given to the borrower – see Pg 54 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/12/2025 <br>Open- - Due Diligence Vendor-09/12/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). 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 XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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 368 and the Final Closing disclosure on Pg 149 reflects escrows. Rate lock date was entered correctly – see Pg 141 An interior and exterior appraisal was completed for this property – see pg 63 to 16 the appraisal disclosure was provided to the borrower(s)- see Pg Findings, and copy of the appraisal was given to the borrower – see Pg 54 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/18/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX%). 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 (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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 368 and the Final Closing disclosure on Pg 149 reflects escrows. Rate lock date was entered correctly – see Pg 141 An interior and exterior appraisal was completed for this property – see pg 63 to 16 the appraisal disclosure was provided to the borrower(s)- see Pg Findings, and copy of the appraisal was given to the borrower – see Pg 54 for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-09/12/2025 |  |  |  | MD | Primary Residence | Purchase | NA | 5512687 | N/A | N/A |
| XXXX | 2087747 |  |  | Closed | 2025-09-12 05:48 | 2025-09-18 14:14 | 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 (8.926%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.13%). 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 (6.63%). (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 368 and the Final Closing disclosure on Pg 149 reflects escrows. Rate lock date was entered correctly – see Pg 141 An interior and exterior appraisal was completed for this property – see pg 63 to 16 the appraisal disclosure was provided to the borrower(s)- see Pg Findings, and copy of the appraisal was given to the borrower – see Pg 54 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/18/2025 <br>Open- - Due Diligence Vendor-09/18/2025 <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 (8.926%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.13%). 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 (6.63%). (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 368 and the Final Closing disclosure on Pg 149 reflects escrows. Rate lock date was entered correctly – see Pg 141 An interior and exterior appraisal was completed for this property – see pg 63 to 16 the appraisal disclosure was provided to the borrower(s)- see Pg Findings, and copy of the appraisal was given to the borrower – see Pg 54 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/12/2025 <br>Open- - Due Diligence Vendor-09/12/2025 |  | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (XXXX%). 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 (XXXX%). (XXXX); XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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 368 and the Final Closing disclosure on Pg 149 reflects escrows. Rate lock date was entered correctly – see Pg 141 An interior and exterior appraisal was completed for this property – see pg 63 to 16 the appraisal disclosure was provided to the borrower(s)- see Pg Findings, and copy of the appraisal was given to the borrower – see Pg 54 for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-09/18/2025 <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 (XXXX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (XXXX%). 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 (XXXX%). (XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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 368 and the Final Closing disclosure on Pg 149 reflects escrows. Rate lock date was entered correctly – see Pg 141 An interior and exterior appraisal was completed for this property – see pg 63 to 16 the appraisal disclosure was provided to the borrower(s)- see Pg Findings, and copy of the appraisal was given to the borrower – see Pg 54 for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-09/12/2025 |  |  |  | MD | Primary Residence | Purchase | NA | 5512686 | N/A | N/A |
| XXXX | 2084098 |  |  | Closed | 2025-09-09 22:25 | 2025-09-30 05:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lo sign missing on Initial 1003, Provided Updated initial 1003, changes made in system, Finding Resolved - Due Diligence Vendor-09/30/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. Brokers signed copy - Buyer-09/29/2025 <br>Open-The Initial 1003 is Missing Loan Officer Signature is missing in initial 1003 Document - Due Diligence Vendor-09/10/2025 |  | Resolved-Lo sign missing on Initial 1003, Provided Updated initial 1003, changes made in system, Finding Resolved - Due Diligence Vendor-09/30/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-09/30/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5477543 | N/A | N/A |
| XXXX | 2084098 |  |  | Closed | 2025-09-09 23:48 | 2025-09-16 08:48 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Clarification received. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-LOAN IS A TX A06 - ALWAYS CONSIDERED A CASH OUT AS LAST LOAN WAS A CASH OUT. - Buyer-09/15/2025 <br>Open-Loan Purpose does not support final CD. - Due Diligence Vendor-09/10/2025 |  | Resolved-Clarification received. - Due Diligence Vendor-09/16/2025<br>|  |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5477757 | N/A | N/A |
| XXXX | 2084098 |  |  | Closed | 2025-09-09 23:46 | 2025-09-16 04:48 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Income varies from Loan Approval & 1008, provided Updated 1008, Loan Approval, Income Worksheet, changes made in system, Finding Resolved - Due Diligence Vendor-09/16/2025 <br>Ready for Review-MB FIN SVC WAS EXCLUDED FROM DTI AS IT SHOWS IN THE BUSINESS BANK STATEMENTS AS BEING PAID BY THE BUSINESS FOR THE 12 MONTHS - Seller-09/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/15/2025 <br>Ready for Review-Document Uploaded. LOAN TYPE IS A TX AO6. PREVIOUS LOAN WAS A CASH OUT SO ALWAYS CONSIDERED A CASH OUT REGARDLESS. - Seller-09/15/2025 <br>Open-Income Per 1008 and Loan Approval is 32,574.00 however Calculated income is $23,843.48 per 12 months bank statements/income calculation. DTI exceeds maximum. <br> - Due Diligence Vendor-09/10/2025 | Ready for Review-MB FIN SVC WAS EXCLUDED FROM DTI AS IT SHOWS IN THE BUSINESS BANK STATEMENTS AS BEING PAID BY THE BUSINESS FOR THE 12 MONTHS - Seller-09/15/2025 <br>Ready for Review-Document Uploaded. LOAN TYPE IS A TX AO6. PREVIOUS LOAN WAS A CASH OUT SO ALWAYS CONSIDERED A CASH OUT REGARDLESS. - Seller-09/15/2025<br>| Resolved-Income varies from Loan Approval & 1008, provided Updated 1008, Loan Approval, Income Worksheet, changes made in system, Finding Resolved - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5477753 | N/A | N/A |
| XXXX | 2084098 |  |  | Closed | 2025-09-10 10:01 | 2025-10-16 09:51 | Cured | 2 - Non-Material C B | Compliance | Mavent | Fees: Limited | Cured-Finding cure. Received PCCD, LOX and check. - Due Diligence Vendor-10/16/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Counter-The cure for the Foreclosure Prevention Fee missing is $80. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Please validate cure amount. - Seller-10/10/2025 <br>Counter-Per internal counsel, we need a cure to be able to proceed. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Please advise if you are able to waive this and still grade as B. - Seller-10/07/2025 <br>Counter-Per internal counsel, DIDMCA exception applies to usuary and interest rates, not to state imposed charges and fees. - Due Diligence Vendor-09/24/2025 <br>Ready for Review-XXXX is DIDMCA exempt - please rerun findings - Seller-09/22/2025 <br>Open-Washington requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) Confirmed this is State based finding. - Due Diligence Vendor-09/10/2025 <br>Open- - Due Diligence Vendor-09/10/2025 <br>Open- - Due Diligence Vendor-09/10/2025 <br>Open- - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Ready for Review-Please validate cure amount. - Seller-10/10/2025 <br>Ready for Review-Please advise if you are able to waive this and still grade as B. - Seller-10/07/2025 <br>Ready for Review-XXXX is DIDMCA exempt - please rerun findings - Seller-09/22/2025<br>| Cured-Finding cure. Received XXXX, LOX and check. - Due Diligence Vendor-10/16/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/16/2025 | XXXX |  |  | WA | Primary Residence | Purchase | NA | 5485529 | N/A | N/A |
| XXXX | 2084098 |  |  | Closed | 2025-09-11 08:05 | 2025-09-24 08:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Counter-Received copy of Homeownership counseling disclosure, missing home toolkit from file. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/16/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Home loan tool kit is missing in file. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-09/24/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5498621 | N/A | N/A |
| XXXX | 2084098 |  |  | Closed | 2025-09-14 10:16 | 2025-09-24 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Counter-Received copy of title with another trust listed as the vesting. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Title Document is missing Missing title listing vesting in the Trust. - Due Diligence Vendor-09/14/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-09/24/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5529970 | N/A | N/A |
| XXXX | 2077307 |  |  | Closed | 2025-09-11 08:13 | 2025-09-17 13:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Excessive Seller Contributions | Waived-Exception made for interested party contributions being above XXXX%(at XXXX%) - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Interested Party Contributions exceed the 6% guideline maximum. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Waived-Exception made for interested party contributions being above XXXX%(at XXXX%) - Due Diligence Vendor-09/17/2025 | XXXX |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Residual Income is $XXXX.. Minimum Residual Income required per guidelines is $XXXX.  | CA | Primary Residence | Purchase | NA | 5498766 | Originator Post-Close | Yes |
| XXXX | 2077315 |  |  | Closed | 2025-09-11 08:10 | 2025-09-17 11:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received initial closing disclosure, finding resolved - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/16/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure from file. - Due Diligence Vendor-09/11/2025 |  | Resolved-Received initial closing disclosure, finding resolved - Due Diligence Vendor-09/17/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5498702 | N/A | N/A |
| XXXX | 2077315 |  |  | Closed | 2025-09-11 06:53 | 2025-09-17 01:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report Provided. Resolved - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Gap credit report is missing for both borrower. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Borrower 2 Gap Credit Report Provided. Resolved - Due Diligence Vendor-09/17/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5497372 | N/A | N/A |
| XXXX | 2079081 |  |  | Closed | 2025-09-11 06:53 | 2025-09-17 01:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap credit report is missing for both borrower. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-09/17/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5497371 | N/A | N/A |
| XXXX | 2079081 |  |  | Closed | 2025-09-12 08:25 | 2025-09-12 08:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for subject property being a XXXX with only XXXX comparable - Due Diligence Vendor-09/12/2025 |  | Waived-Loan does not conform to program guidelines Exception made for subject property being a XXXX with only 1 comparable - Due Diligence Vendor-09/12/2025<br>|  |  | Residual Income is $.XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> Credit Score is XXXX. Minimum required per guidelines is XXXX. | WY | Second Home | Purchase | NA | 5514987 | Originator Pre-Close | Yes |
| XXXX | 2079072 |  |  | Closed | 2025-09-13 10:53 | 2025-09-13 10:53 | Waived | 2 - Non-Material B | Credit | Credit | Asset documetation is unacceptable | Waived-Exception made for Non-Borrower account holder on bank statement loan. - Due Diligence Vendor-09/13/2025 |  | Waived-Exception made for Non-Borrower account holder on bank statement loan. - Due Diligence Vendor-09/13/2025<br>|  |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months. | OH | Primary Residence | Purchase | NA | 5528154 | Originator Pre-Close | Yes |
| XXXX | 2079072 |  |  | Closed | 2025-09-11 00:45 | 2025-09-11 05:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#421 and the Final Closing disclosure on Pg#142. Rate lock date was entered correctly see Pg#'s 141, An interior and exterior appraisal was completed for this property – see pg 23, 39-48 the appraisal disclosure was provided to the borrower(s) Pg# 62, 134 and copy of the appraisal was given to the borrower see Pg#62, 134 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/11/2025 <br> Open- - Due Diligence Vendor-09/11/2025 <br> Open- - Due Diligence Vendor-09/11/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX 1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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#421 and the Final Closing disclosure on Pg#142. Rate lock date was entered correctly see Pg#'s 141, An interior and exterior appraisal was completed for this property – see pg 23, 39-48 the appraisal disclosure was provided to the borrower(s) Pg# 62, 134 and copy of the appraisal was given to the borrower see Pg#62, 134 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/11/2025 |  |  |  | OH | Primary Residence | Purchase | NA | 5495165 | N/A | N/A |
| XXXX | 2077317 |  |  | Closed | 2025-09-12 02:00 | 2025-09-16 14:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-09/16/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of XXXX High alerts, only 1 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-09/16/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 5511678 | N/A | N/A |
| XXXX | 2081890 |  |  | Closed | 2025-09-12 01:37 | 2025-09-15 12:46 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of XXXX and is R&W eligible. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-09/15/2025 <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 XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than XXXX, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. XXXX - Seller-09/15/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of XXXX and is R&W eligible. - Due Diligence Vendor-09/15/2025 | XXXX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 5511592 | N/A | N/A |
| XXXX | 2081892 |  |  | Closed | 2025-09-11 04:55 | 2025-09-18 13:28 | 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-09/18/2025 <br> Resolved-Asset removed. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Updated 1003 removing asset - Seller-09/17/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements • The account statements used for additional assets on the Final 1003 (XXXX #XXXX, balance of $XXXX) is missing from the file. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Updated 1003 removing asset - Seller-09/17/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-09/18/2025 <br>Resolved-Asset removed. - Due Diligence Vendor-09/17/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5496289 | N/A | N/A |
| XXXX | 2081892 |  |  | Closed | 2025-09-11 03:57 | 2025-09-18 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided from each of the 2 accounts. Issue resolved. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Bank Statements - Seller-09/18/2025 <br> Open-Borrower 1 Business Bank Statements Missing • Lender used Bank Statement accounts #XXXX and #XXXX for income calculation, however the 12-months of statements from each of these accounts. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Bank Statements - Seller-09/18/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided from each of the XXXX accounts. Issue resolved. - Due Diligence Vendor-09/18/2025 | XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5495952 | N/A | N/A |
| XXXX | 2081892 |  |  | Closed | 2025-09-11 08:28 | 2025-09-12 16:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception for Loan amount. page 412. Max $XXXX - Due Diligence Vendor-09/11/2025 |  | Waived-Exception for Loan amount. page 412. Max $XXXX- Due Diligence Vendor-09/11/2025 |  |  | Residual income Residual income $XXXXrequired $XXXX<br> Credit Score is XXXX. Minimum required XXXX<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5499141 | Originator Pre-Close | Yes |
| XXXX | 2081895 |  |  | Closed | 2025-09-12 08:12 | 2025-09-18 03:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-09/18/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit report is missing in file. - Due Diligence Vendor-09/12/2025 |  | Resolved-Gap Credit report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-09/18/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/18/2025<br>| XXXX |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5514716 | N/A | N/A |
| XXXX | 2081895 |  |  | Closed | 2025-09-17 08:57 | 2025-09-19 08:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. See payments for rent since 08/02/2024. It is unclear why the VOR shows as it does. - Buyer-09/18/2025 <br> Open-VOR provided shows the borrower has been renting their primary residence since XXXX 1003 shows borrower has been living at the residence for XXXX+ years. with bank statements showing 12 months deposits. - Due Diligence Vendor-09/17/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-09/19/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 5568331 | N/A | N/A |
| XXXX | 2081895 |  |  | Closed | 2025-09-15 05:06 | 2025-09-19 01:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard insurance Policy no is missing , provided Updated Invoice with Policy no, changes made in system , Finding Resolved - Due Diligence Vendor-09/19/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. See invoice - Buyer-09/18/2025 <br>Open-Hazard Insurance Policy Partially Provided Hazard Insurance Policy number is missing in file. - Due Diligence Vendor-09/15/2025 |  | Resolved-Hazard insurance Policy no is missing , provided Updated Invoice with Policy no, changes made in system , Finding Resolved - Due Diligence Vendor-09/19/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/19/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 5532018 | N/A | N/A |
| XXXX | 2081895 |  |  | Closed | 2025-09-15 05:28 | 2025-09-17 08:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Exception made for loan amount less than $500,000, current loan amount $XXXX. - Due Diligence Vendor-09/15/2025 |  | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Exception made for loan amount less than $XXXX, current loan amount $XXXX. - Due Diligence Vendor-09/15/2025 |  |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Residual income is $XXXX Minimum Residual Income required per guidelines is XXXX. | CO | Primary Residence | Purchase | NA | 5532152 | Originator Pre-Close | Yes |
| XXXX | 2081895 |  |  | Closed | 2025-09-24 01:19 | 2025-10-01 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/01/2025 <br> Resolved-HUD from sale of prior home received. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see HUD from sale of prior home - cash to our borrower (seller) $XXXX- - Seller-09/29/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Provide additional reserves to meet the min reserves requirement. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. Please see HUD from sale of prior home - cash to our borrower (seller) $XXXX- - Seller-09/29/2025 | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-10/01/2025 <br> Resolved-HUD from sale of prior home received. - Due Diligence Vendor-10/01/2025 | XXXX |  |  | AL | Primary Residence | Purchase | NA | 5647856 | N/A | N/A |
| XXXX | 2081895 |  |  | Closed | 2025-09-16 01:19 | 2025-10-01 10:20 | 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-10/01/2025 <br> Resolved-Proceeds from sale of REO property CD doc provided. Resolved - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Asset 4: Supporting documentation for the net sale proceeds amount of $XXXX is missing from the file. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/01/2025 <br>Resolved-Proceeds from sale of REO property CD doc provided. Resolved - Due Diligence Vendor-09/24/2025<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 5547591 | N/A | N/A |
| XXXX | 2081883 |  |  | Closed | 2025-09-16 01:30 | 2025-10-01 09:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-10/01/2025 <br> Ready for Review-exception was uploaded ?? - Buyer-09/24/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX As per Non-Agency Advantage program matrix dated XXXX, the minimum loan amount is $XXXX. However, the audited loan amount is $XXXX, which falls below the program requirement. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Waived-Audited Loan Amount of $XXXXis less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-10/01/2025 | XXXX |  | Residual income $XXXX required $XXXX<br> Credit Score is XXXX. Minimum required XXXX<br> DTI is XXXX%. Maximum allowed per guidelines is XXXX%. | AL | Primary Residence | Purchase | NA | 5547633 | Originator Post-Close | Yes |
| XXXX | 2081889 |  |  | Closed | 2025-09-16 01:30 | 2025-10-01 09:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV > XXXX% Rural, - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Counter-Loan received as Non-Agency Advantage confirmed by approval certificate. Matrix dated 06/09/2025 max LTV XXXX% for rural property. - Due Diligence Vendor-09/24/2025 <br> Open-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Platinum matrix allows up to XXXX% rural prop on purchase - Seller-09/23/2025 <br> Open-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% As per Non-Agency Advantage program matrix datedXXXX, the maximum allowable LTV for rural properties is XXXX%. However, the audited LTV is XXXX%, which exceeds the program limit. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Ready for Review-Platinum matrix allows up to XXXX% rural prop on purchase - Seller-09/23/2025 | Waived-LTV > 75% Rural, - Due Diligence Vendor-10/01/2025<br>| XXXX |  | Residual income $XXXX required $XXXX<br> Credit Score is XXXX. Minimum required XXXX<br> DTI is XXXX%. Maximum allowed per guidelines is XXXX%. | AL | Primary Residence | Purchase | NA | 5547634 | Originator Post-Close | Yes |
| XXXX | 2081889 |  |  | Closed | 2025-09-16 03:16 | 2025-09-24 10:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC document received. - Due Diligence Vendor-09/24/2025 <br> Resolved- - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-The Loan Discount Fee (Points) increased to $XXXX on the Final Closing Disclosure. However COC is missing in file. Required COC to cure the tolerance violation. - Due Diligence Vendor-09/16/2025 <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. (XXXX); XXXX); XXXX). - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-COC document received. - Due Diligence Vendor-09/24/2025<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 5547974 | N/A | N/A |
| XXXX | 2081893 |  |  | Closed | 2025-09-16 03:16 | 2025-09-24 10:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX(i)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX 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 #348 and the Final Closing disclosure on Pg #157 reflects escrows. Rate lock date was entered correctly – see Pg #155 An interior and exterior appraisal was completed for this property – see Pg #47-52, Borrower receipt copy of the appraisal listed on page #149, the appraisal disclosure was provided to the borrower(s)- see Pg #360 and copy of the appraisal was given to the borrower – see Pg #38 for the copy of the disclosure. The loan meets XXXX . - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX 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 #348 and the Final Closing disclosure on Pg #157 reflects escrows. Rate lock date was entered correctly – see Pg #155 An interior and exterior appraisal was completed for this property – see Pg #47-52, Borrower receipt copy of the appraisal listed on page #149, the appraisal disclosure was provided to the borrower(s)- see Pg #360 and copy of the appraisal was given to the borrower – see Pg #38 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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 #348 and the Final Closing disclosure on Pg #157 reflects escrows. Rate lock date was entered correctly – see Pg #155 An interior and exterior appraisal was completed for this property – see Pg #47-52, Borrower receipt copy of the appraisal listed on page #149, the appraisal disclosure was provided to the borrower(s)- see Pg #360 and copy of the appraisal was given to the borrower – see Pg #38 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/24/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, 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 #348 and the Final Closing disclosure on Pg #157 reflects escrows. Rate lock date was entered correctly – see Pg #155 An interior and exterior appraisal was completed for this property – see Pg #47-52, Borrower receipt copy of the appraisal listed on page #149, the appraisal disclosure was provided to the borrower(s)- see Pg #360 and copy of the appraisal was given to the borrower – see Pg #38 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/16/2025 |  |  |  | AL | Primary Residence | Purchase | NA | 5547973 | N/A | N/A |
| XXXX | 2081893 |  |  | Closed | 2025-09-18 07:39 | 2025-09-24 09:15 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-XXXX acknowledges missing anti-steering. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-XXXX acknowledges missing disclosure - Buyer-09/23/2025 <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure which is missing in file - Due Diligence Vendor-09/18/2025 |  | Acknowledged-XXXX acknowledges missing anti-steering. - Due Diligence Vendor-09/24/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5583414 | Originator Post-Close | No |
| XXXX | 2081893 |  |  | Closed | 2025-09-19 05:48 | 2025-10-01 09:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Proof of wire transfer for Net Proceeds provided. Asset XXXX Meets Guideline Requirements Or Not Applicable<br> - Due Diligence Vendor-09/26/2025 <br> Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-Asset 7 Does Not Meet Guideline Requirements Proof of wire transfer is missing in file - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Proof of wire transfer for Net Proceeds provided. Asset XXXX Meets Guideline Requirements Or Not Applicable<br> - Due Diligence Vendor-09/26/2025 <br> Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/26/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 5597363 | N/A | N/A |
| XXXX | 2081894 |  |  | Closed | 2025-09-19 06:46 | 2025-10-01 08:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV > XXXX% - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Counter-The mentioned matrix is dated after the close of the loan, we cannot use that matrix since it was generated after loan closed. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. matrix shows XXXX% on purchase - what else are you decreasing ltv for? - Seller-09/26/2025 <br> Counter-Non-Agency Advantage matrix dated 06/09/25 has the lessor LTV of XXXX%. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Rural property - XXXX% ltv allowed - Buyer-09/25/2025 <br> Open-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% for rural property. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025 <br>Ready for Review-Document Uploaded. matrix shows 80% on purchase - what else are you decreasing ltv for? - Seller-09/26/2025<br>| Waived-LTV > XXXX% - Due Diligence Vendor-10/01/2025 | XXXX |  | Self employed same business XXXXyears, XXXXyears required per guidelines<br> No mortgage late payments 60 months. | TX | Primary Residence | Purchase | NA | 5597945 | Originator Post-Close | Yes |
| XXXX | 2081894 |  |  | Closed | 2025-09-22 09:40 | 2025-09-26 11:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception made for LTV of XXXX%, with maximum of XXXX% per guidelines. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/25/2025 <br> Open-Property is rural, max LTV is XXXX% - Due Diligence Vendor-09/22/2025 |  | Waived-Exception made for LTV of XXXX%, with maximum of XXXX% per guidelines. - Due Diligence Vendor-09/26/2025 | XXXX |  | Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> No derogatory credit history listed on the credit report.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Self-employed in the same business for 5+ years | OR | Primary Residence | Refinance | Cash Out - Other | 5619636 | Originator Post-Close | Yes |
| XXXX | 2081894 |  |  | Closed | 2025-09-24 14:22 | 2025-09-26 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received final title policy showing correct vesting, finding resolved - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/25/2025 <br>Open-Title Document is missing Missing title with vesting in both the borrower and spouse - Due Diligence Vendor-09/24/2025 |  | Resolved-Received final title policy showing correct vesting, finding resolved - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | OR | Primary Residence | Refinance | Cash Out - Other | 5661644 | N/A | N/A |
| XXXX | 2081894 |  |  | Closed | 2025-09-22 10:08 | 2025-09-24 14:23 | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived-Property Title Issue Exception made for borrower title seasoning, not being listed on title with borrower making payments for the recent 12 months payments - Due Diligence Vendor-09/22/2025 |  | Waived-Property Title Issue Exception made for borrower title seasoning, not being listed on title with borrower making payments for the recent XXXX months payments - Due Diligence Vendor-09/22/2025 |  |  | Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> No derogatory credit history listed on the credit report.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX. | OR | Primary Residence | Refinance | Cash Out - Other | 5620112 | Originator Pre-Close | Yes |
| XXXX | 2085583 |  |  | Closed | 2025-09-19 05:41 | 2025-09-26 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title vesting is missing in title document, provided Warranty Deed document, changes made in system, Finding Resolved<br> - Due Diligence Vendor-09/25/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/24/2025 <br>Open-Title Document is Incomplete Title is not currently vested in the name of the borrower. Transfer deed absent from the file. - Due Diligence Vendor-09/19/2025 |  | Resolved-Title vesting is missing in title document, provided Warranty Deed document, changes made in system, Finding Resolved<br> - Due Diligence Vendor-09/25/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5597288 | N/A | N/A |
| XXXX | 2085583 |  |  | Closed | 2025-09-19 07:17 | 2025-09-26 03:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 provided showing income under commission & YES for "f YES, have you had an ownership interest in another property in the last three years?". - Due Diligence Vendor-09/26/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-The Final 1003 is Incomplete As per provided WVOE borrower receives commission income however final 1003 showing under base income. Borrower has one property, however final 1003 F A question showing as no. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Updated Final 1003 provided showing income under commission & YES for "f YES, have you had an ownership interest in another property in the last three years?". - Due Diligence Vendor-09/26/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5598334 | N/A | N/A |
| XXXX | 2085612 |  |  | Closed | 2025-09-19 04:21 | 2025-09-26 03:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lo sign is missing in Initial XXXX , provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-09/25/2025 <br> Resolved-The Initial XXXX is Present - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-The Initial XXXX is Missing XXXX signature is absent from initial XXXX. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Lo sign is missing in Initial XXXX , provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-09/25/2025 <br> Resolved-The Initial XXXX is Present - Due Diligence Vendor-09/25/2025 | XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5596703 | N/A | N/A |
| XXXX | 2085612 |  |  | Closed | 2025-09-19 07:06 | 2025-09-19 07:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/19/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5598194 | N/A | N/A |
| XXXX | 2085612 |  |  | Closed | 2025-09-23 02:10 | 2025-10-09 13:02 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured-Received check, pccd and lox, finding cured. - Due Diligence Vendor-10/09/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/08/2025 <br> Open-The total amount of the XXXX% category fees ($XXXX) has increased by more than XXXX% over the current baseline value of ($XXXX). The total amount of fees in the XXXX% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XXXX% 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)). Recording Fees of $XXXX from Initial LE increased to $XXXX on the Final CD, increased passed the XXXX% tolerance, missing change of circumstance or cure for this tolerance. - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 |  | Cured-Received check, pccd and lox, finding cured. - Due Diligence Vendor-10/09/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/09/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5629952 | N/A | N/A |
| XXXX | 2085626 |  |  | Closed | 2025-09-25 08:21 | 2025-10-01 10:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/30/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Missing title report showing sufficient coverage. - Due Diligence Vendor-09/25/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/01/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 5669729 | N/A | N/A |
| XXXX | 2085613 |  |  | Closed | 2025-09-22 08:02 | 2025-10-06 10:04 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-XXXX received. - Due Diligence Vendor-10/06/2025 <br> Resolved- - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <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)). From Initial CD (0XXXX) to Revised CD (XXXX) % of Loan Amount (Points) increased to $XXXX, there is no COC in file please provide COC or lender credits to cure this tolerance - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-COC received. - Due Diligence Vendor-10/06/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5616649 | N/A | N/A |
| XXXX | 2085613 |  |  | Closed | 2025-09-22 06:14 | 2025-10-06 05:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Paystubs Covering XXXX day period uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/06/2025 <br> Resolved-Borrower XXXX Paystubs Less Than XXXX Month Provided Condition Resolved - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/03/2025 <br> Open-Borrower XXXX Paystubs Less Than XXXX Month Provided - Due Diligence Vendor-09/22/2025 |  | Resolved-Paystubs Covering XXXX day period uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/06/2025 <br> Resolved-Borrower XXXX Paystubs Less Than XXXX Month Provided Condition Resolved - Due Diligence Vendor-10/06/2025 | XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5615070 | N/A | N/A |
| XXXX | 2087745 |  |  | Closed | 2025-09-22 08:02 | 2025-10-06 10:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines" <br> Edit Delete - Due Diligence Vendor-10/06/2025 <br> Open- - Due Diligence Vendor-10/06/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/22/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines" <br> Edit Delete - Due Diligence Vendor-10/06/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/22/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5616648 | N/A | N/A |
| XXXX | 2087745 |  |  | Closed | 2025-09-23 04:00 | 2025-09-25 12:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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 #XXXX and the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, and copy of the appraisal was given to the borrower – see Pg #XXXX borrower received copy of the appraisal disclosure on page on #XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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 #XXXX and the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, and copy of the appraisal was given to the borrower – see Pg #XXXX borrower received copy of the appraisal disclosure on page on #XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-09/23/2025 |  |  |  | WA | Primary Residence | Purchase | NA | 5630369 | N/A | N/A |
| XXXX | 2087745 |  |  | Closed | 2025-09-28 10:06 | 2025-10-03 08:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received XXXX, finding resolved. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/02/2025 <br> Counter-Received settlement statement, missing post closing closing disclosure. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/29/2025 <br> Open-TRID: Missing Closing Disclosure Missing PCCD from the file. - Due Diligence Vendor-09/28/2025 |  | Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-10/03/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 5695545 | N/A | N/A |
| XXXX | 2087745 |  |  | Closed | 2025-09-25 05:44 | 2025-10-01 08:21 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-10/01/2025 <br> Ready for Review-listed under title fee $XXXX on CD - Buyer-09/29/2025 <br> Open-Washington requires every borrower in a residential mortgage loan to pay an $XXXX Foreclosure Prevention Fee. The System did not find an $XXXX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) Missing Foreclosure Prevention Fee on the final closing disclosure. - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 |  | Resolved-Resolved - Due Diligence Vendor-10/01/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 5667457 | N/A | N/A |
| XXXX | 2087745 |  |  | Closed | 2025-09-30 03:30 | 2025-10-16 07:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record XXXX Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Counter-When the funds are not transferred prior to closing, the client must document 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. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-The gifter is the spouse who is not on the loan. The funds were sent to directly to Escrow and were not deposited in the borrower's account. - Seller-10/10/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing verification of gift deposit amount of $XXXX. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Ready for Review-The gifter is the spouse who is not on the loan. The funds were sent to directly to Escrow and were not deposited in the borrower's account. - Seller-10/10/2025<br>| Resolved-Asset Record XXXX Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-10/16/2025 | XXXX |  |  | NV | Primary Residence | Purchase | NA | 5713543 | N/A | N/A |
| XXXX | 2085615 |  |  | Closed | 2025-09-29 17:28 | 2025-10-14 09:47 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Clarification received on disallowed fee. Finding resolved. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. See attached. - Buyer-10/10/2025 <br> Open-Please clarify Julys deposits and how the deposits are being counted for disallowed and allowed. XXXX deposits from the same transaction but XXXX of the XXXX is being listed as disallowed. - Due Diligence Vendor-09/29/2025 |  | Resolved-Clarification received on disallowed fee. Finding resolved. - Due Diligence Vendor-10/14/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 5711444 | N/A | N/A |
| XXXX | 2085615 |  |  | Closed | 2025-09-25 00:09 | 2025-10-09 14:03 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured- - Due Diligence Vendor-10/09/2025 <br> Cured-Received XXXX, check and LOX, finding cured. - Due Diligence Vendor-10/09/2025 <br> Resolved- - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-The total amount of the XXXX% category fees on the last Closing Disclosure ($XXXX) has increased by more than XXXX% over the current baseline value of ($XXXX). The total amount of fees in the XXXX% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (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)). Recording fee Increased to $XXXX from initial CD to Final CD, there is no COC in file please provide COC or lender credits to cure this tolerance. - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Cured- - Due Diligence Vendor-10/09/2025 <br>Cured-Received PCCD, check and LOX, finding cured. - Due Diligence Vendor-10/09/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 5665697 | N/A | N/A |
| XXXX | 2085617 |  |  | Closed | 2025-09-30 07:11 | 2025-10-09 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/08/2025 <br>Open-Title Document is missing Missing title with vesting in the borrowers name. - Due Diligence Vendor-09/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-10/09/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 5715594 | N/A | N/A |
| XXXX | 2085617 |  |  | Closed | 2025-09-25 00:09 | 2025-10-09 14:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/09/2025 <br> Resolved-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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX,XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/09/2025 <br> Open- - Due Diligence Vendor-10/09/2025 <br> Open- - Due Diligence Vendor-10/09/2025 <br> Open- - Due Diligence Vendor-10/09/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (6.61%).(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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX, XXXXthe appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 |  | Resolved-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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/09/2025 <br> Resolved-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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/09/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX, An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX the appraisal disclosure was provided to the borrower(s) Pg# XXXX, XXXX and copy of the appraisal was given to the borrower see Pg#XXXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/25/2025 |  |  |  | NV | Primary Residence | Purchase | NA | 5665698 | N/A | N/A |
| XXXX | 2085617 |  |  | Closed | 2025-09-26 07:21 | 2025-10-09 03:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX provided showing subject property reflecting under B2 REO section. - Due Diligence Vendor-10/09/2025 <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/08/2025 <br> Open-The Final XXXX is Incomplete As per mortgage statement page #XXXX the subject property is belongs to Borrower XXXX, however it is reflecting under Borrower XXXX REO section not in Borrower XXXX REO section. - Due Diligence Vendor-09/26/2025 |  | Resolved-Updated Final XXXX provided showing subject property reflecting under B2 XXXX section. - Due Diligence Vendor-10/09/2025 <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-10/09/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5683199 | N/A | N/A |
| XXXX | 2089924 |  |  | Closed | 2025-09-29 14:33 | 2025-10-06 15:03 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledged missing anti-steering disclosure. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-XXXX ack missing disc - Buyer-10/03/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Missing Anti-steering disclosure from the file. - Due Diligence Vendor-09/29/2025 |  | Acknowledged-Client acknowledged missing anti-steering disclosure. - Due Diligence Vendor-10/06/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5709474 | Investor Post-Close | No |
| XXXX | 2089924 |  |  | Closed | 2025-09-29 00:04 | 2025-10-08 08:27 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Clarification for variance received. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-$XXXX auto pymt excluded since business pays - Buyer-10/06/2025 <br> Open-Verified DTI is XXXX%, however Originator DSCR is #XXXX%, variance due to all other monthly payments. - Due Diligence Vendor-09/29/2025 |  | Resolved-Clarification for variance received. - Due Diligence Vendor-10/08/2025<br>|  |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5696718 | N/A | N/A |
| XXXX | 2089924 |  |  | Closed | 2025-09-28 22:47 | 2025-10-07 02:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower XXXX Executed XXXX-XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/07/2025 <br> Resolved-Borrower XXXX Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/06/2025 <br> Open-Borrower XXXX Executed XXXX-T Missing Borrower XXXX is wage earner, however XXXX-T is missing in file. - Due Diligence Vendor-09/29/2025 |  | Resolved-Borrower XXXX Executed XXXX-C uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/07/2025 <br> Resolved-Borrower XXXX Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-10/07/2025 | XXXX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5696410 | N/A | N/A |
| XXXX | 2089924 |  |  | Closed | 2025-09-28 22:47 | 2025-10-07 02:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower XXXX XXXX Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/07/2025 <br> Resolved-Borrower XXXX XXXX Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/06/2025 <br> Open-Borrower XXXX XXXX Party VOE Prior to Close Missing Borrower XXXX VOE is missing in file. - Due Diligence Vendor-09/29/2025 |  | Resolved-Borrower XXXX XXXX Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/07/2025 <br> Resolved-Borrower XXXX XXXX Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-10/07/2025 | XXXX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5696409 | N/A | N/A |
| XXXX | 2089925 |  |  | Closed | 2025-10-07 15:14 | 2025-10-24 08:19 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Resolved, XXXX months of bank statements received. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-The bank account was closed because they had money fraudulently withdrawn, they had to close it - Seller-10/22/2025 <br> Counter-The attached account statement for August XXXX shows the account is closed and funds transferred to another account. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Per G/L's XXXX months of bank statements required. Only XXXX month has been provided. - Due Diligence Vendor-10/07/2025 | Ready for Review-The bank account was closed because they had money fraudulently withdrawn, they had to close it - Seller-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Resolved, XXXX months of bank statements received. - Due Diligence Vendor-10/24/2025 | XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 5812351 | N/A | N/A |
| XXXX | 2089926 |  |  | Closed | 2025-10-07 15:05 | 2025-10-17 13:46 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Combined application provided for multiple loan transactions. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. borrower closed multiple deals at once - on the loan app, it reflects this property that he already owns. - Seller-10/08/2025 <br> Open-Loan application on page XXXX is for a property at XXXX. Our property address is XXXX - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. borrower closed multiple deals at once - on the loan app, it reflects this property that he already owns. - Seller-10/08/2025<br>| Resolved-Combined application provided for multiple loan transactions. - Due Diligence Vendor-10/17/2025<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 5812227 | N/A | N/A |
| XXXX | 2085628 |  |  | Closed | 2025-10-07 15:06 | 2025-10-17 11:11 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Resolved, RCE of $XXXX provided and updated to file. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. appears our dwelling coverage is XXXX and our loan amount is XXXX, which should be efficient coverage. Uploaded RCE as well. - Seller-10/08/2025 <br> Open-Per Guidelines Hazard Insurance equal to full replacement cost is required. No Replacement cost estimate provided. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. appears our dwelling coverage is XXXX and our loan amount is XXXX, which should be efficient coverage. Uploaded XXXX as well. - Seller-10/08/2025 | Resolved-Resolved, RCE of $XXXX provided and updated to file. - Due Diligence Vendor-10/17/2025 | XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 5812243 | N/A | N/A |
| XXXX | 2085616 |  |  | Closed | 2025-10-07 15:05 | 2025-10-17 11:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Resolved, Quit Claim Deed from XXXXX is provided. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. QCD uploaded. - Seller-10/08/2025 <br> Open-Per Title page XXXX a Quit Claim Deed from XXXXX to XXXX is needed and not located in the file. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. QCD uploaded. - Seller-10/08/2025<br>| Resolved-Resolved, Quit Claim Deed from XXXXX to XXXX is provided. - Due Diligence Vendor-10/17/2025 | XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 5812235 | N/A | N/A |
| XXXX | 2089929 |  |  | Closed | 2025-10-07 14:00 | 2025-10-14 05:50 | Resolved | 1 - Information C A | Credit | Credit | DSCR is less than 1.00 | Resolved-The explanation was sufficient to resolve the finding. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. unable to show consistent rent payments - we underwrote this file to XXXX% market rent as unleased. DSCR calculator uploaded - Seller-10/08/2025 <br> Open-The guidelines indicated the lesser of the lease or Form XXXX/XXXX. The appraisal indicated the property is tenant occupied for both units in the amount of $XXXX and $XXXX or a total of $XXXX. The use of this amount for rent would result in a DSCR of XXXX%. The loan file does not contain evidence that the property is vacant at the time of closing. It is noted the loan file does contain a lease for one of the units; however, the lease expired in XXXX. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. unable to show consistent rent payments - we underwrote this file to XXXX% market rent as unleased. DSCR calculator uploaded - Seller-10/08/2025 | Resolved-The explanation was sufficient to resolve the finding. - Due Diligence Vendor-10/14/2025<br>| XXXX |  |  | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 5811089 | N/A | N/A |
| XXXX | 2089929 |  |  | Closed | 2025-10-07 14:38 | 2025-10-08 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Explanation about the Lease & Rent payments received in this finding as well as the lender-used calculation of rent. Issue resolved. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-unable to show consistent rent payments - we underwrote this file to XXXX% market rent as unleased. - Seller-10/08/2025 <br> Open-The XXXX Appraisal and the corresponding Form XXXX (Operating Income Statement) shows that both units of the property are rented. Lease Agreements are missing from the file. - Due Diligence Vendor-10/07/2025 | Ready for Review-unable to show consistent rent payments - we underwrote this file to XXXX% market rent as unleased. - Seller-10/08/2025 | Resolved-Explanation about the Lease & Rent payments received in this finding as well as the lender-used calculation of rent. Issue resolved. - Due Diligence Vendor-10/08/2025<br>|  |  |  | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 5811726 | N/A | N/A |
| XXXX | 2058667 |  |  | Closed | 2025-10-09 21:56 | 2025-10-14 04:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-XXXX provided addressing correct address has been updated. Resolved - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/11/2025 <br> Open-All initial closing disclosures in the file show an incorrect address. - Due Diligence Vendor-10/10/2025 |  | Resolved-COC provided addressing correct address has been updated. Resolved - Due Diligence Vendor-10/14/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5847597 | N/A | N/A |
| XXXX | 2058667 |  |  | Closed | 2025-10-07 06:58 | 2025-10-07 10:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX 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 (XXXX%).(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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/07/2025 |  |  |  | IL | Primary Residence | Purchase | NA | 5800484 | N/A | N/A |
| XXXX | 2058667 |  |  | Closed | 2025-10-17 13:11 | 2025-10-21 05:39 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing Title evidence | Resolved-Resolved. Lender provided title for the subject property. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Open-The title in file reflects a property address of XXXX, but the subject loan is for Unit XXXX. The legal address does not match the appraisal in file. Missing title for the subject property. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Resolved. Lender provided title for the subject property. - Due Diligence Vendor-10/21/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5935640 | N/A | N/A |
| XXXX | 2058667 |  |  | Closed | 2025-10-17 13:36 | 2025-10-21 05:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Resolved. Lender provided final executed HUD. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-The HUD-1 in file dated XXXX is not executed. Missing final executed HUD-1. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Resolved. Lender provided final executed XXXX. - Due Diligence Vendor-10/21/2025 | XXXX |  |  | FL | Investment | Purchase | NA | 5936015 | N/A | N/A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2077301 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2059625 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2064367 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077305 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 2077304 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077314 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 82.52 | 82.52 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2077124 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077125 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 2077126 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2079080 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077129 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2079071 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077128 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 46.4 | 46.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2081878 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2079078 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2077132 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 47.62 | 47.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 2077130 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2077312 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2077308 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0086 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077322 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2081876 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2079079 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.35 | 73.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 2079082 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 42.67 | 42.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077127 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.49 | 78.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2081877 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.29 | 64.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 2081885 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2084097 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2087747 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2084098 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077307 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2077315 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2079081 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2079072 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.72 | 32.72 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2077317 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.04 | 33.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2077311 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.71 | 61.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0244 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2081890 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2081892 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2081895 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2081883 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 2081889 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2081893 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2081894 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 2085583 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085612 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085626 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085613 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085621 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2087745 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.97 | 89.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085615 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085617 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085627 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.3 | 78.3 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085618 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2089923 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2089924 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2089925 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2089926 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085628 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2089928 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2085616 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2087744 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 2089929 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.8 | 60.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0134 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 2058667 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| 2077301 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/21/2025 | 6.810% | Manual Underwriting | Manual Underwriting | No | 9.572% |  | 9.125% | 9.125% | $3704.06 | No |  | $8257.44 | $688.12 | $2223.00 | $185.25 | $0.00 | $0.00 | $0.00 | $4577.43 | $7930.81 | N/A | XXXX |  | $0.00 | XXXX |  | 49.21% | 49.21% | 49.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 85.56% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 52105.28 | 11.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2059625 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/08/2025 | 6.740% | Manual Underwriting | Manual Underwriting | No | 7.080% |  | 7.000% | 7.000% | $8499.24 | No |  | $25776.00 | $2148.00 | $9375.96 | $781.33 | $3600.00 | $300.00 | $0.00 | $11728.57 | $263462.11 | N/A | XXXX | TX | $300.00 | XXXX | Annually | 4.47% | 4.47% | 4.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1192050.71 | 101.6 | 1192050.71 | 101.6 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064367 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.296% |  | 7.250% | 7.250% | $4775.23 | No |  | $10074.24 | $839.52 | $1116.96 | $93.08 | $0.00 | $0.00 | $0.00 | $5707.83 | $6887.69 | N/A | XXXX |  | $0.00 | XXXX |  | 45.84% | 45.74% | 45.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 64.68% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other, Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 259465.35 | 45.5 | 259465.35 | 45.5 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077305 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/27/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.436% |  | 7.125% | 7.125% | $4269.69 | No |  | $3542.52 | $295.21 | $3993.96 | $332.83 | $1080.00 | $90.00 | $0.00 | $4987.73 | $8892.20 | N/A | XXXX | CO | $90.00 | XXXX | Monthly | 41.86% | 41.86% | 41.86% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Utilization (DTI) | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Asset Depletion, Retirement - 2 YRS 1099 Verified, Executed 4506T Verified, Award Letter Verified - 2025 - 2025 | Borrower - Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 48113.25 | 9.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077304 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/11/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 9.172% |  | 9.000% | 9.000% | $3488.04 | No |  | $6721.92 | $560.16 | $2338.44 | $194.87 | $5820.00 | $485.00 | $0.00 | $4728.07 | $27076.17 | N/A | XXXX | FL | $485.00 | XXXX | Monthly | 36.61% | 36.81% | 36.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 168756.85 | 35.7 | 168756.85 | 35.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077314 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/01/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.405% |  | 7.125% | 7.125% | $3752.61 | No |  | $3411.60 | $284.30 | $1523.16 | $126.93 | $600.00 | $50.00 | $0.00 | $4213.84 | $11509.27 | N/A | XXXX | CA | $50.00 | XXXX | Annually | 43.22% | 42.45% | 42.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37749.37 | 9 | 37749.37 | 9 | No | 82.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077124 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/09/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 8.724% |  | 8.375% | 8.375% | $2268.06 | No |  | $3088.20 | $257.35 | $3033.12 | $252.76 | $0.00 | $0.00 | $0.00 | $2778.17 | $5199.58 | N/A | XXXX |  | $0.00 | XXXX |  | 47.07% | 45.35% | 45.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 8334.48 | 3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077125 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/01/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.513% |  | 7.375% | 7.375% | $4751.85 | No |  | $13377.96 | $1114.83 | $1209.96 | $100.83 | $0.00 | $0.00 | $0.00 | $5967.51 | $15797.52 | N/A | XXXX |  | $0.00 | XXXX |  | 30.47% | 30.47% | 30.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 67 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 144699.79 | 24.2 | 144874.79 | 24.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077126 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/29/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.066% |  | 7.875% | 7.875% | $2610.25 | No |  | $4672.44 | $389.37 | $1548.96 | $129.08 | $0.00 | $0.00 | $0.00 | $3128.70 | $4370.12 | N/A | XXXX |  | $0.00 | XXXX |  | 44.74% | 44.74% | 44.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 80.82% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Retirement - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 24296.65 | 7.8 | 24296.65 | 7.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2079080 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/07/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.109% |  | 7.000% | 7.000% | $3006.34 | No |  | $4410.00 | $367.50 | $1921.08 | $160.09 | $0.00 | $0.00 | $0.00 | $3533.93 | $28937.07 | N/A | XXXX |  | $0.00 | XXXX |  | 11.25% | 11.25% | 11.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 181944.74 | 51.5 | 181944.74 | 51.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077129 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/04/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.000% |  | 6.875% | 6.875% | $2364.94 | No |  | $4660.08 | $388.34 | $1497.96 | $124.83 | $750.00 | $62.50 | $0.00 | $2940.61 | $6121.66 | N/A | XXXX | CO | $62.50 | XXXX | Annually | 33.04% | 33.04% | 33.04% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 62.12% | 100.00% | 0.00% | Proceeds from Sale | Borrower Prepared | 6 | Borrower | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MO | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 63339.42 | 21.5 | 63339.42 | 21.5 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2079071 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/15/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.597% |  | 8.125% | 8.125% | $1360.25 | No |  | $1778.04 | $148.17 | $2503.68 | $208.64 | $0.00 | $0.00 | $0.00 | $1717.06 | $4465.34 | N/A | XXXX |  | $0.00 | XXXX |  | 89.01% | 44.51% | 44.51% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - 2025 - 2025 | Borrower - 2 YRS Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18369.86 | 10.7 | 18369.86 | 10.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2077128 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/04/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.724% |  | 7.625% | 7.625% | $4105.20 | No |  | $4412.04 | $367.67 | $3810.00 | $317.50 | $1400.04 | $116.67 | $0.00 | $4907.04 | $24774.56 | N/A | XXXX | NC | $116.67 | XXXX | Annually | 36.70% | 36.70% | 36.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 659 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 163751.65 | 33.4 | No | 46.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2081878 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/28/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.213% |  | 7.000% | 7.000% | $3060.39 | No |  | $1941.96 | $161.83 | $3210.00 | $267.50 | $0.00 | $0.00 | $0.00 | $3489.72 | $4777.15 | N/A | XXXX |  | $0.00 | XXXX |  | 49.22% | 49.22% | 49.22% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 67.85% | 100.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 13 | 13 | Work Number | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2023 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 83400.89 | 23.9 | 83400.89 | 23.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2079078 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/21/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.142% |  | 6.990% | 6.990% | $2816.37 | No |  | $4685.16 | $390.43 | $1265.04 | $105.42 | $480.00 | $40.00 | $0.00 | $3352.22 | $8047.78 | N/A | XXXX | WA | $40.00 | XXXX | Monthly | 35.62% | 35.62% | 35.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20996.01 | 6.3 | 20996.01 | 6.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077132 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/30/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.337% |  | 7.250% | 7.250% | $2046.53 | No |  | $10610.52 | $884.21 | $4016.04 | $334.67 | $503.04 | $41.92 | $0.00 | $3307.33 | $9302.64 | N/A | XXXX | TX | $41.92 | XXXX | Annually | 39.36% | 39.36% | 39.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 178755.45 | 54.1 | No | 47.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077130 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/13/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.497% |  | 8.250% | 8.250% | $3651.16 | No |  | $6756.00 | $563.00 | $1344.00 | $112.00 | $1560.00 | $130.00 | $0.00 | $4456.16 | $103528.83 | N/A | XXXX | CA | $130.00 | XXXX | Monthly | 5.25% | 5.32% | 5.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 85120.14 | 19.1 | 85120.14 | 19.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077312 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/07/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.244% |  | 7.875% | 7.875% | $928.09 | No |  | $1581.96 | $131.83 | $1714.08 | $142.84 | $0.00 | $0.00 | $0.00 | $1202.76 | $4176.54 | N/A | XXXX |  | $0.00 | XXXX |  | 22.69% | 22.69% | 22.69% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, SSI and Disability - Award Letter Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 18962.32 | 15.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077308 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/05/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.856% |  | 7.500% | 7.500% | $3910.01 | No |  | $8737.44 | $728.12 | $1554.00 | $129.50 | $0.00 | $0.00 | $0.00 | $4767.63 | $9301.37 | N/A | XXXX |  | $0.00 | XXXX |  | 36.18% | 36.18% | 36.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 234613.38 | 49.2 | 234613.38 | 49.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077322 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/13/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.719% |  | 8.375% | 8.375% | $5168.49 | No |  | $3420.00 | $285.00 | $3002.04 | $250.17 | $0.00 | $0.00 | $0.00 | $5703.66 | $23074.34 | N/A | XXXX |  | $0.00 | XXXX |  | 39.94% | 39.94% | 39.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 122906.10 | 21.6 | 122906.10 | 21.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2081876 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/08/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.957% |  | 7.750% | 7.750% | $3725.34 | No |  | $1731.24 | $144.27 | $1586.04 | $132.17 | $1140.00 | $95.00 | $0.00 | $4096.78 | $25701.19 | N/A | XXXX | AZ | $95.00 | XXXX | Monthly | 40.74% | 38.90% | 38.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 96.73% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Award Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 189301.71 | 46.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2079079 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/16/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.903% |  | 6.875% | 6.875% | $9059.05 | No |  | $5667.00 | $472.25 | $3519.36 | $293.28 | $4860.00 | $405.00 | $0.00 | $10229.58 | $144918.75 | N/A | XXXX | AZ | $405.00 | XXXX | Monthly | 7.76% | 7.16% | 7.16% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2009360.55 | 196.4 | 2009360.55 | 196.4 | No | 73.35 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2079082 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/10/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.214% |  | 8.000% | 8.000% | $1174.02 | No |  | $7614.96 | $634.58 | $1433.88 | $119.49 | $0.00 | $0.00 | $0.00 | $1910.48 | $3993.19 | N/A | XXXX |  | $0.00 | XXXX |  | 37.56% | 37.55% | 37.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 45 | 45 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 658 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 46057.98 | 24 | No | 42.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077127 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/04/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.155% |  | 7.125% | 7.125% | $5740.08 | No |  | $9975.84 | $831.32 | $3771.96 | $314.33 | $0.00 | $0.00 | $0.00 | $6885.73 | $34121.24 | N/A | XXXX |  | $0.00 | XXXX |  | 36.89% | 36.81% | 36.81% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 85.00% | 90.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 39881.80 | 5.8 | 129879.02 | 18.9 | No | 78.49 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2081877 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/12/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.155% |  | 7.125% | 7.125% | $6063.47 | No |  | $11101.92 | $925.16 | $1154.04 | $96.17 | $0.00 | $0.00 | $0.00 | $7084.80 | $96648.67 | N/A | XXXX |  | $0.00 | XXXX |  | 11.71% | 11.65% | 11.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54776.37 | 7.7 | 347587.87 | 49.1 | No | 64.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2081885 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/14/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.525% |  | 7.250% | 7.250% | $2292.04 | No |  | $2068.56 | $172.38 | $747.96 | $62.33 | $1032.00 | $86.00 | $0.00 | $2612.75 | $10486.25 | N/A | XXXX | NC | $86.00 | XXXX | Annually | 30.10% | 30.09% | 30.09% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | PA | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | PA | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26231.29 | 10 | 26231.29 | 10 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2084097 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/15/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.903% |  | 8.750% | 8.750% | $2285.36 | No |  | $4405.68 | $367.14 | $693.00 | $57.75 | $1400.04 | $116.67 | $0.00 | $2826.92 | $4163.65 | Yes | XXXX | MD | $116.67 | XXXX | Annually | 49.12% | 45.16% | 45.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 10230.48 | 3.6 | 10230.48 | 3.6 | No | 70 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2087747 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/08/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.779% |  | 8.625% | 8.500% | $7777.90 | No |  | $14061.36 | $1171.78 | $8092.80 | $674.40 | $1100.04 | $91.67 | $0.00 | $9715.75 | $12166.73 | N/A | XXXX | TX | $91.67 | XXXX | Annually | 35.86% | 48.97% | 48.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 49639.84 | 5.1 | 49639.84 | 5.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2084098 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/18/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.449% |  | 7.375% | 7.375% | $7155.39 | No |  | $12272.28 | $1022.69 | $2022.00 | $168.50 | $569.04 | $47.42 | $0.00 | $8394.00 | $69853.94 | N/A | XXXX | WA | $47.42 | XXXX | Annually | 13.89% | 13.87% | 13.87% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 93157.37 | 11.1 | 93157.37 | 11.1 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2077307 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/29/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.195% |  | 7.000% | 7.000% | $10644.84 | No |  | $24999.96 | $2083.33 | $7593.96 | $632.83 | $1500.00 | $125.00 | $0.00 | $13486.00 | $16236.01 | N/A | XXXX | CA | $125.00 | XXXX | Annually | 46.75% | 46.75% | 46.75% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | 60 | No | No | Yes | 0 | 0 | Yes | Yes | 4 | 0 | 51.65% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - Asset Depletion - Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1114058.76 | 82.6 | 1114058.76 | 82.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2077315 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/14/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.885% |  | 7.625% | 7.625% | $2378.19 | No |  | $2229.60 | $185.80 | $1937.04 | $161.42 | $0.00 | $0.00 | $0.00 | $2725.41 | $29393.90 | N/A | XXXX |  | $0.00 | XXXX |  | 18.44% | 18.25% | 18.25% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | WY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11502.67 | 4.2 | 11502.67 | 4.2 | No | 60 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2079081 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/19/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.926% |  | 8.750% | 8.750% | $1604.87 | No |  | $3289.20 | $274.10 | $0.00 | $0.00 | $3300.00 | $275.00 | $0.00 | $2153.97 | $2864.88 | Yes | XXXX | OH | $275.00 | XXXX | Monthly | 46.15% | 48.55% | 48.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26858.92 | 12.5 | 26858.92 | 12.5 | No | 85 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2079072 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/05/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.253% |  | 7.000% | 7.000% | $1190.89 | No |  | $2691.12 | $224.26 | $2292.00 | $191.00 | $192.00 | $16.00 | $0.00 | $1622.15 | $3300.08 | N/A | XXXX | TN | $16.00 | XXXX | Monthly | 37.82% | 37.82% | 37.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7541.01 | 4.6 | 10415.18 | 6.4 | No | 32.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077317 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/10/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.412% |  | 7.250% | 7.250% | $2046.53 | No |  | $15403.44 | $1283.62 | $8217.00 | $684.75 | $500.04 | $41.67 | $0.00 | $4056.57 | $18797.52 | N/A | XXXX | TX | $41.67 | XXXX | Annually | 43.20% | 42.96% | 42.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 280049.39 | 69 | No | 33.04 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2077311 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/05/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.993% |  | 6.875% | 6.875% | $16620.30 | No |  | $36530.88 | $3044.24 | $7751.04 | $645.92 | $0.00 | $0.00 | $0.00 | $20310.46 | $134891.43 | N/A | XXXX |  | $0.00 | XXXX |  | 15.77% | 15.77% | 15.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 279196.07 | 13.8 | 279196.07 | 13.8 | No | 61.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2081890 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/18/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.859% |  | 7.500% | 7.500% | $3104.51 | No |  | $2006.76 | $167.23 | $3120.00 | $260.00 | $0.00 | $0.00 | $0.00 | $3531.74 | $4255.38 | N/A | XXXX |  | $0.00 | XXXX |  | 45.78% | 45.72% | 45.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25477.24 | 7.2 | 25477.24 | 7.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2081892 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/19/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.544% |  | 7.250% | 7.250% | $6003.15 | No |  | $6336.24 | $528.02 | $3813.00 | $317.75 | $0.00 | $0.00 | $0.00 | $6848.92 | $8141.23 | N/A | XXXX |  | $0.00 | XXXX |  | 47.94% | 47.58% | 47.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29244.27 | 4.3 | 29244.27 | 4.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2081895 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/14/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.568% |  | 7.375% | 7.375% | $3418.84 | No |  | $3579.24 | $298.27 | $2916.00 | $243.00 | $0.00 | $0.00 | $0.00 | $3960.11 | $6536.32 | N/A | XXXX |  | $0.00 | XXXX |  | 42.77% | 42.77% | 42.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 52377.01 | 13.2 | 52377.01 | 13.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2081883 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/13/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.594% |  | 8.250% | 8.250% | $1087.83 | No |  | $634.44 | $52.87 | $1809.00 | $150.75 | $0.00 | $0.00 | $0.00 | $1291.45 | $3450.64 | N/A | XXXX |  | $0.00 | XXXX |  | 37.23% | 35.76% | 35.76% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1099 Verified | 2 YRS 1099 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 2 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Commission - 2 YRS 1099 Verified, Written VOE Verified, Personal Bank Statements Verified - 2023, 2024 \|\| Co Borrower - N/A | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 10951.19 | 8.5 | 10951.19 | 8.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2081889 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/20/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.307% |  | 7.125% | 7.125% | $4294.96 | No |  | $7313.52 | $609.46 | $2862.00 | $238.50 | $0.00 | $0.00 | $0.00 | $5142.92 | $40206.10 | N/A | XXXX |  | $0.00 | XXXX |  | 17.40% | 16.79% | 16.79% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 268655.13 | 52.2 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2081893 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/26/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.292% |  | 8.000% | 8.000% | $9098.68 | No |  | $24851.16 | $2070.93 | $4771.68 | $397.64 | $2163.00 | $180.25 | $0.00 | $11747.50 | $17416.61 | N/A | XXXX | TX | $180.25 | XXXX | Annually | 49.98% | 49.83% | 49.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  |  | 2 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - null Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 198745.90 | 16.9 | 198745.90 | 16.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2081894 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/18/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.233% |  | 7.000% | 7.000% | $4850.06 | No |  | $4354.20 | $362.85 | $1776.00 | $148.00 | $0.00 | $0.00 | $0.00 | $5360.91 | $8988.09 | N/A | XXXX |  | $0.00 | XXXX |  | 41.16% | 41.16% | 41.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 205611.71 | 38.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2085583 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/22/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.751% |  | 8.500% | 8.500% | $3844.57 | No |  | $3132.84 | $261.07 | $3630.96 | $302.58 | $0.00 | $0.00 | $0.00 | $4408.22 | $6946.80 | N/A | XXXX |  | $0.00 | XXXX |  | 44.83% | 44.58% | 44.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 43.91% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 41520.66 | 9.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2085612 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/31/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.000% |  | 7.875% | 7.875% | $3219.31 | No |  | $6937.44 | $578.12 | $1574.04 | $131.17 | $0.00 | $0.00 | $0.00 | $3928.60 | $13342.40 | N/A | XXXX |  | $0.00 | XXXX |  | 47.70% | 46.63% | 46.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123602.75 | 31.5 | 123602.75 | 31.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2085626 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/23/2025 | 6.790% | Manual Underwriting | Manual Underwriting | No | 9.288% |  | 9.125% | 9.125% | $4083.62 | No |  | $3892.80 | $324.40 | $3115.80 | $259.65 | $0.00 | $0.00 | $0.00 | $4667.67 | $5211.67 | N/A | XXXX |  | $0.00 | XXXX |  | 47.71% | 47.71% | 47.71% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 656 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 12 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 192133.25 | 41.2 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2085613 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/21/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.202% |  | 7.875% | 7.875% | $2864.75 | No |  | $3998.64 | $333.22 | $2279.04 | $189.92 | $0.00 | $0.00 | $0.00 | $3387.89 | $8083.06 | N/A | XXXX |  | $0.00 | XXXX |  | 46.61% | 46.61% | 46.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 48982.85 | 14.5 | 48982.85 | 14.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2085621 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/03/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.857% |  | 7.625% | 7.625% | $7927.29 | No |  | $12180.00 | $1015.00 | $4533.00 | $377.75 | $3600.00 | $300.00 | $0.00 | $9620.04 | $39816.17 | N/A | XXXX | WA | $300.00 | XXXX | Monthly | 20.30% | 20.01% | 20.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 823806.07 | 85.6 | 823806.07 | 85.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2087745 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/27/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.630% |  | 7.500% | 7.500% | $4705.71 | No |  | $6464.40 | $538.70 | $1532.64 | $127.72 | $2736.00 | $228.00 | $0.00 | $5600.13 | $49036.02 | N/A | XXXX | UT | $228.00 | XXXX | Monthly | 19.44% | 19.44% | 19.44% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 88890.26 | 15.9 | 88890.26 | 15.9 | No | 89.97 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2085615 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/22/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.209% |  | 7.875% | 7.875% | $4899.66 | No |  | $6287.16 | $523.93 | $2544.96 | $212.08 | $3240.00 | $270.00 | $0.00 | $5905.67 | $17086.33 | N/A | XXXX | NV | $270.00 | XXXX | Monthly | 25.71% | 25.71% | 25.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47562.77 | 8.1 | 47562.77 | 8.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2085617 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/21/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.277% |  | 7.125% | 7.125% | $9701.55 | No |  | $7239.24 | $603.27 | $3151.08 | $262.59 | $0.00 | $0.00 | $0.00 | $10567.41 | $17555.33 | N/A | XXXX |  | $0.00 | XXXX |  | 42.45% | 42.45% | 42.45% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 2 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Audited | Accountant/Bookkeeper | 8 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 2 YRS W2 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 91711.40 | 8.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2085627 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/21/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.611% |  | 7.375% | 7.375% | $3434.04 | No |  | $2156.04 | $179.67 | $993.96 | $82.83 | $0.00 | $0.00 | $0.00 | $3696.54 | $6826.24 | N/A | XXXX |  | $0.00 | XXXX |  | 47.09% | 45.04% | 45.04% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 72.09% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 121383.16 | 32.8 | 121383.16 | 32.8 | No | 78.3 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2085618 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/08/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 7.353% |  | 7.125% | 7.125% | $6871.93 | No |  | $13862.64 | $1155.22 | $4446.60 | $370.55 | $4872.00 | $406.00 | $0.00 | $8803.70 | $9480.13 | N/A | XXXX | FL | $406.00 | XXXX | Monthly | 49.50% | 49.50% | 49.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 270675.18 | 30.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2089923 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/16/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.210% |  | 7.125% | 7.125% | $5341.91 | No |  | $3630.84 | $302.57 | $2262.96 | $188.58 | $0.00 | $0.00 | $0.00 | $5833.06 | $14741.56 | N/A | XXXX |  | $0.00 | XXXX |  | 47.07% | 44.05% | 44.05% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 187235.81 | 32.1 | 187235.81 | 32.1 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2089924 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $936.12 | No |  | $1002.96 | $83.58 | $729.96 | $60.83 | $0.00 | $0.00 | $0.00 | $1080.53 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.018 | 1.018 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 67893.98 | 62.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2089925 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1059.30 | Yes | 23.990% | $936.48 | $78.04 | $650.04 | $54.17 | $0.00 | $0.00 | $0.00 | $1191.51 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.511 | 1.511 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30816.22 | 25.9 | 51270.95 | 43 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2089926 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $3106.25 | No |  | $7535.52 | $627.96 | $3000.00 | $250.00 | $0.00 | $0.00 | $0.00 | $3984.21 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.107 | 1.23 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 213189.71 | 53.5 | 213189.71 | 53.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2085628 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $3867.19 | No |  | $19585.44 | $1632.12 | $3000.00 | $250.00 | $0.00 | $0.00 | $0.00 | $5749.31 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.018 | 1.017 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 277099.84 | 48.2 | 277099.84 | 48.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2089928 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/03/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.708% |  | 7.250% | 7.250% | $1820.24 | No |  | $6051.12 | $504.26 | $2817.00 | $234.75 | $7620.00 | $635.00 | $0.00 | $3194.25 | $6668.15 | Yes | XXXX | FL | $635.00 | XXXX | Monthly | 34.06% | 34.07% | 29.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19921.63 | 7.2 | 19921.63 | 7.2 | No | 70 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2085616 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $945.98 | Yes | 23.990% | $1123.20 | $93.60 | $1480.80 | $123.40 | $0.00 | $0.00 | $0.00 | $1162.98 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.118 | 1.118 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | LA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 96314.23 | 82.8 | 96314.23 | 82.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2087744 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/08/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 8.625% |  | 8.125% | 8.125% | $1672.47 | No |  | $5225.40 | $435.45 | $669.00 | $55.75 | $4068.00 | $339.00 | $0.00 | $2502.67 | $4082.84 | Yes | XXXX | IL | $339.00 | XXXX | Monthly | 39.53% | 39.52% | 39.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA PATRIOT ACT | IL | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26221.63 | 10.5 | 26221.63 | 10.5 | No | 85 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2089929 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/17/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.002% |  | 6.875% | 6.875% | $23034.41 | No |  | $30836.52 | $2569.71 | $19200.00 | $1600.00 | $0.00 | $0.00 | $0.00 | $27204.12 | $48784.88 | N/A | XXXX |  | $0.00 | XXXX |  | 31.53% | 38.85% | 38.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 342368.33 | 16 | No | 60.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2058667 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.124% | 8.124% | $1030.12 | Yes | 18.000% | $2798.28 | $233.19 | $1856.40 | $154.70 | $5220.00 | $435.00 | $0.00 | $1853.01 |  | Yes | XXXX | FL | $435.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  | 4 - Verified 2+ Mos |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.457 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 118577.70 | 64 | 118577.70 | 64 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 2089923 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 1250 | Appraisal - 1007 |  | N/A |  |  | 1100 | Actual In Place Rent | No | 98.23 | 1.018 | 1.018 | 1080.53 | 1100 | 05-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22300 |  | XXXX | 0 | 1100 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 62.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2089924 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1900 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 66.2 | 1.511 | 1.511 | 1191.51 | 1900 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  | XXXX |  | 1800 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 43.03 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2089925 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4900 | Appraisal - 1025 |  | N/A |  |  | 4900 | Appraisal - 1025 | No | 81.31 | 1.23 | 1.107 | 3984.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23905.26 |  | 0 | 0 | 4900 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 53.51 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2089926 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5850 | Appraisal - 1025 |  |  |  |  | 5850 | Appraisal - 1025 | No | 98.28 | 1.017 | 1.018 | 5749.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32995.8 |  |  |  | 5850 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 48.2 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2089928 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1300 | Appraisal - 1007 |  |  |  |  | 1300 | Appraisal - 1007 | No | 89.46 | 1.118 | 1.118 | 1162.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32000 |  | XXXX |  | 1300 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 82.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2089929 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2700 | STR Estimate - Other |  |  |  |  | 2700 | STR Estimate - Other | No | 68.63 |  | 1.457 | 1853.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 63.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 6**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2077301 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| 2064367 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | True data is correct, property is PUD per 1008, DOT, appraisal. |
| 2064367 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | True data is correct, 12 months bank statements were used for qualification. |
| 2064367 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | True data is correct, tape data does not include HOA/PUD amount of $300. |
| 2064367 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | Property type confirmed with appraisal report and PUD Rider. |
| 2064367 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Tape considered the disbursement date as note date. |
| 2077305 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Asset utilization file and it's falls under alt doc category. |
| 2077305 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Borrower is retired. No employment. Income sources are SSI, Pension, and Asset Depletion. |
| 2077305 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | PUD property with month HOA amount of $90 and It's not Escrows. |
| 2077304 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | OriginatorQM Status Non-qm Lender Confirmed |
| 2077314 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | HTI 17.30 Confirmed |
| 2077314 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | DTI 36.81 Confirmed |
| 2077124 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| 2077125 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status updated as per Primary residency Loan |
| 2077126 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | THD A/c #5537 shows Closed as per Gap report $143 due to this getting DTI Discrepancy in loan. |
| 2077126 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Tape considered the disbursement date as note date. |
| 2077126 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Verified doc type considered per loan program & documentation. |
| 2079080 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | True data is correct, property has 2 units per 1003, 1008, appraisal. |
| 2079080 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 2079080 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | The difference is $0.01 which is minimal and can be accepted / ignored. |
| 2077129 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | Property type confirmed with appraisal report. |
| 2077129 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | 12 months bank statements are used for income calculation, and It's falls Under Alt Doc category. |
| 2079071 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Tape Data includes $62.50 for an HOA payment that was not part of escrows. |
| 2079071 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | True data is correct, Asset utilization income for qualification and hence doc type updated the same. |
| 2079071 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | True data is correct. B1 is not employed. They are using asset utilization income for qualification. |
| 2081878 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| 2081878 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | True data is correct, verified from Note doc. |
| 2081878 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | True data is correct, tape data was not included HOA amount of $116.67 whereas true data shows PITIA. |
| 2081878 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | Property type considered per appraisal report. |
| 2081878 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Maturity date considered per Note on page 541. |
| 2081878 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Note date considered per Note on page 541. Tape Data is the Disbursement Date. |
| 2079078 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | First payment date considered per Note on page 541. |
| 2079078 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Verified doc type considered per loan program & documentation. |
| 2079078 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Tape data excluding HOA fee in calculation. |
| 2079078 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Updated as per the loan approval |
| 2077132 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Updated as per the Note, Tax, HOI and HOA. Tape Data is just the P&I (non-escrowed loan). |
| 2077132 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | Updated as per the 1004 Appraisal and the PUD Rider. |
| 2077132 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Updated as per the Note document. Tape Data is the Disbursement Date. |
| 2077132 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | Property type is PUD verified from appraisal pg#46 and PUD rider is on pg#677. |
| 2077130 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Note date verified from Note document |
| 2077130 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Doctype updated as per loan program and documentation. |
| 2077130 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $130. |
| 2077308 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Note date verified from Note document |
| 2077322 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Doctype updated as per loan program and documentation. |
| 2081876 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Borrower Qualifying with VA BENEFITS & SOCIAL SECURITY " income and updated the same. |
| 2081876 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status is Non-QM: Lender documented all ATR UW factors |
| 2081876 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | DTI 38.90 Confirmed as all liabilities updated from gap credit report |
| 2081876 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | Property type is PUD verified from appraisal pg#31 and PUD rider is on pg#625. |
| 2081876 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Note date verified from Note document |
| 2079079 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Doctype updated as per loan program and documentation. |
| 2079079 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $405. |
| 2079079 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 7.16% but Tape data DTI is 7.76%. Variance is 0.06 within tolerance. |
| 2079079 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | True data is correct, B1 is a wage earner, not self-employed per income docs. |
| 2079079 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | True data is correct, verified from Note doc. |
| 2079082 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | True data is correct, paystubs, W2 are used for income calculation nd hence doc type updated as 1 year full doc. |
| 2079082 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | True data is correct, tape data show only P&I amount where s true data shows PITIA. |
| 2079082 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | The difference is 0.18 which is within the tolerance. |
| 2079082 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | Per guidelines: "The borrower with the higher monthly income is considered the Secondary borrower and their credit score can be used as the Decision Credit Score." B1 has income of $26k, while B2 has income of over $28k. Therefore, B2's FICO score should be used. |
| 2077127 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Note date verified from Note document |
| 2081877 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Doctype updated as per loan program and documentation. |
| 2081877 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 36.8125% but Tape data DTI is 37.05%. Variance is 0.2375%, within tolerance. |
| 2081877 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Tape considered the disbursement date as note date. |
| 2081877 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | Per GL 08.06.2025 page # 27, the borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the decision credit score. Only B1 has income. Thus, B1's's FICO score of 718 should be used for qualification. However, the FCIO difference doesn't make impact on GL limits. |
| 2081885 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | True data is correct, verified from Note doc. |
| 2081885 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 2084097 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | True data is correct, tape data was not included HOA amount whereas true data shows PITIA. |
| 2084097 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | HOA amount is discrepancy in appraisal document which resulting in HTI discrepancy. |
| 2084097 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | HOA amount is discrepancy in appraisal document which resulting in DTI discrepancy. |
| 2077307 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM status Non-QM Lender Confirmed |
| 2077315 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | There is difference in Income b/w loan approval , 1008, 1003 and Income worksheet document which resulting in HTI Exceeding however finding added for DTI unknown. |
| 2077315 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | There is difference in Income b/w loan approval , 1008, 1003 and Income worksheet document which resulting in HTI Exceeding however finding added for DTI unknown. |
| 2077315 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | OriginatorQM Status Non-qm Lender Confirmed |
| 2079081 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | OriginatorQM Status Non-QM Lender Confirmed |
| 2079081 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed as Income confirmed from 12 months Bank statements |
| 2079081 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed as Income confirmed from 12 months Bank statements and GAP report |
| 2079081 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | Property type is PUD verified from appraisal pg#27 and PUD rider is on pg#419-422. |
| 2079072 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | Note date verified from Note document. Tape Data is the Disbursement Date. |
| 2079072 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Doctype updated as per loan program and documentation. |
| 2079072 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts & HOA amount, However file is Non-escrowed, so the Tape Data is just the P&I payment. |
| 2079072 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | Property is a PUD per the 1008, Appraisal, and PUD Rider. |
| 2079072 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | True data is correct, verified from Note doc. Tape Data is the Disbursement Date. |
| 2077311 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 2081890 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | True data is correct, tape data was not included HOA amount of 41.67 whereas true data shows PITIA. |
| 2081892 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Audited DTI is 42.9581% and Lender DTI is 43.20%. The difference is 0.2419% which is within tolerance. |
| 2081895 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed Originator QM Status is Non QM ATR. |
| 2081895 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed Originator QM Status is Non QM ATR. |
| 2081895 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status is Non-QM: Lender documented all ATR UW factors |
| 2081883 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Income qualified with 1099 <25% ownership. |
| 2081883 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| 2081889 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | DTI variance is due to the revolving account XXXX\*\*\*\*, which reflects a $0 monthly payment on the most recent credit report. However, the DTI remains within the Guideline requirements. |
| 2081889 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status Non-qm Lender confirmed approval certificate. |
| 2081889 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | DTI 16.79 Confirmed as all liabilities updated from gap credit report |
| 2081894 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | OriginatorQMStatus non-qm lender confirmed per approval certificate. |
| 2081894 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | DTI 33.84 confirmed as HOA amount entered from appraisal document |
| 2085583 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | HTI 33.84 confirmed as HOA amount entered from appraisal document |
| 2085583 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Confirmed Borrower 2nd income is Self employed income. |
| 2085612 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX |  |
| 2085613 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | There is Variance in True data DTI to Tape data DTI with a variance of 1.07, as Tradeline XXXX is excluded as it is authorized Account |
| 2085621 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed the loan is Non-QM: Lender documented all ATR UW factors |
| 2085615 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | OriginatorQm Status Non-Qm Lender Confirmed per approval certificate. |
| 2085615 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed Originator QM Status is Non QM ATR. |
| 2085617 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| 2085617 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | Confirmed B2 is self employed. |
| 2085618 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed Originator QM Status is Non QM ATR. |
| 2085618 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | Confirmed verified Primary wage earner FICO score is 749. which is supported by 2nd page of approval certificate. |
| 2085628 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Verified DTI is 48.42%, however Originator DSCR is 47.095%, variance due to all other monthly payments. Lender confirmed one payment being paid by business. |
| 2087744 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed Originator QM Status is Non QM ATR. |
| 2058667 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Due to a gap report showing tradeline lowering in payments and due to income difference between documentation |
| 2058667 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Confirmed Originator QM Status is Non-QM: Lender documented all ATR UW factors |
| 2058667 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 2077301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 649 | 651 | 649 | 636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 29.31 | 49.21 | 15616.29 | .00 | .00 | .00 | 15616.29 | Employed |  |  |  | 24.44 |  |  |  | NA | 7930.81 | 7685.48 | Taxes and Insurance | 11.38 | 52105.28 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 9.125 | 9.125 | 3704.06 | 3704.06 | 873.37 | 4577.43 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 204973.88 | 14664.38 | 5 | 50463.21 | 219 | 17 | 0.5009643605870021 | 3 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2059625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 746 | 772 | 696 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 4.25 | 4.47 | 275786.66 | .00 | .00 | .00 | 275786.66 | Employed |  |  |  | 2.35 |  |  |  | 2 YRS | 263462.11 | 12324.55 | Taxes and Insurance | 101.64 | 1192050.71 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7 | 7 | 8499.24 | 8499.24 | 2929.33 | 11728.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8655.65 | 1 | 12162 | 245 | 8 | 0 | 2.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 752 | 752 | 759 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 44.96 | 45.74 | 12694.52 | .00 | .00 | .00 | 12694.52 | Employed |  |  |  | 4.36 |  |  |  | NA | 6887.69 | 5806.83 | Taxes and Insurance | 45.46 | 259465.35 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.25 | 7.25 | 4775.23 | 4775.23 | 932.6 | 5707.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1395 | 1 | 20200 | 57 | 5 | 0.008761329305135951 | 0.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 787 | 808 | 778 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 32.61 | 41.86 | 15293.43 | .00 | .00 | .00 | 15293.43 | Retired |  |  |  |  |  |  |  | Yes | 8892.2 | 6401.23 | Taxes and Insurance | 9.65 | 48113.25 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 4269.69 | 4269.69 | 628.04 | 4987.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 48113.25 | 17492.94 | 1 | 260000 | 353 | 9 | 0.010057453885697006 | 0.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 721 | 749 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 17.3 | 36.81 | 42846.00 | .00 | .00 | .00 | 42846.00 | Employed |  |  |  | 4.49 |  |  |  | NA | 27076.17 | 15769.83 | Taxes and Insurance | 35.69 | 168756.85 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 9 | 9 | 3488.04 | 3488.04 | 755.03 | 4728.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4312.5 | 2 | 618613 | 250 | 21 | 0.08861127987039287 | 3.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 754 | 758 | 754 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 21.07 | 42.45 | 20000.00 | .00 | .00 | .00 | 20000.00 | Employed |  |  |  | 6.47 |  |  |  | NA | 11509.27 | 8490.73 | Taxes and Insurance | 8.96 | 37749.37 | XXXX | XXXX | 82.52 | 82.52 | 82.52 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.125 | 7.125 | 3752.61 | 3752.61 | 411.23 | 4213.84 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 5905.36 | 2745 | 2 | 89479 | 120 | 8 | 0.018229342327150084 | 1.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 693 | 690 | 696 | 693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 29.2 | 45.35 | 9514.71 | .00 | .00 | .00 | 9514.71 | Employed |  |  |  | 4.63 |  |  |  | NA | 5199.58 | 4315.13 | Taxes and Insurance | 3 | 8334.48 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.375 | 8.375 | 2268.06 | 2268.06 | 510.11 | 2778.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 8334.48 | 7155.9 | 2 | 34578 | 126 | 11 | 0.07436936936936937 | 1.18 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2077125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 764 | 750 | 764 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 26.27 | 30.47 | 22720.03 | .00 | .00 | .00 | 22720.03 | Employed |  |  |  | 5.54 |  |  |  | Yes | 15797.52 | 6922.51 | Taxes and Insurance | 24.28 | 144874.79 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.375 | 7.375 | 4751.85 | 4751.85 | 1215.66 | 5967.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 144874.79 | 0 | 1 | 30000 | 120 | 4 | 0.05083191850594228 | 0.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 816 | 816 | 800 | 819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 39.56 | 44.74 | 7908.82 | .00 | .00 | .00 | 7908.82 | Employed |  |  |  | 19.16 |  |  |  | NA | 4370.12 | 3538.7 | Taxes and Insurance | 7.77 | 24296.65 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.875 | 7.875 | 2610.25 | 2610.25 | 518.46 | 3128.7 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 1 | 13800 | 235 | 10 | 0.002543859649122807 | 1 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2079080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 745 | 751 | 731 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 10.84 | 11.25 | 32605.00 | .00 | .00 | .00 | 32605.00 | Employed |  |  |  | 2.24 |  |  |  | 2 YRS | 28937.07 | 3667.93 | Taxes and Insurance | 51.49 | 181944.74 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7 | 7 | 3006.34 | 3006.34 | 527.58 | 3533.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4122.6900000000005 | 1 | 15000 | 111 | 12 | 0.003529461792513005 | 0.17 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 794 | 794 | 778 | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 801 | 808 | 784 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.16 | 33.04 | 5679.38 | 3462.89 | .00 | .00 | 9142.27 | Employed | Employed |  |  | 4.59 | 2.97 |  |  | Yes | 6121.66 | 3020.61 | Taxes and Insurance | 21.54 | 63339.42 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.875 | 6.875 | 2364.94 | 2364.94 | 513.17 | 2940.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2325 | 1 | 10700 | 128 | 1 | 0.05954326923076923 | 2.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2079071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 700 | 698 | 727 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 682 | 667 | 692 | 682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21.34 | 44.51 | 4023.20 | 4023.20 | .00 | .00 | 8046.40 | Not Employed | Not Employed |  |  |  |  |  |  | 2 YRS | 4465.34 | 3581.06 | Taxes and Insurance | 10.7 | 18369.86 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 8.125 | 8.125 | 1360.25 | 1360.25 | 356.81 | 1717.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2394.51 | 1 | 27644 | 260 | 10 | 0.26745664739884395 | 3.00 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2077128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 659 | 634 | 659 | 665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 12.54 | 36.7 | 39140.84 | .00 | .00 | .00 | 39140.84 | Employed |  |  |  | 5.52 |  |  |  | 2 YRS | 24774.56 | 14366.28 | Taxes and Insurance | 33.37 | 163751.65 | XXXX | XXXX | 46.4 | 46.4 | 46.4 | XXXX | XXXX | XXXX | Conventional | Fixed | A | 7.625 | 7.625 | 4105.2 | 4105.2 | 685.17 | 4907.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 163751.65 | 4325 | 2 | 64072 | 342 | 20 | 0.8473708920187794 | 1.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081878 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 724 | 726 | 724 | 715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 770 | 770 | 780 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.1 | 49.22 | 6382.20 | 3024.67 | .00 | .00 | 9406.87 | Employed | Employed |  |  | 4.36 | 7.53 |  |  | 2 YRS | 4777.15 | 4629.72 | Taxes and Insurance | 23.9 | 83400.89 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7 | 7 | 3060.39 | 3060.39 | 429.33 | 3489.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1756.2 | 2 | 10500 | 202 | 14 | 0.3338710967707528 | 1.33 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2079078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 708 | 719 | 687 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.82 | 35.62 | 12500.00 | .00 | .00 | .00 | 12500.00 | Employed |  |  |  | 3.08 |  |  |  | 3 YRS | 8047.78 | 4452.22 | Taxes and Insurance | 6.26 | 20996.01 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 6.99 | 6.99 | 2816.37 | 2816.37 | 495.85 | 3352.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 5014.16 | 1 | 13200 | 104 | 11 | 0.1280493375970763 | 0.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 702 | 750 | 702 | 701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 21.56 | 39.36 | 15340.97 | .00 | .00 | .00 | 15340.97 | Employed |  |  |  | 7.92 |  |  |  | NA | 9302.64 | 6038.33 | No Escrow | 54.05 | 178755.45 | XXXX | XXXX | 47.62 | 47.62 | 47.62 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.25 | 7.25 | 2046.53 | 2046.53 | 0 | 3307.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 195605.06 | 2925 | 1 | 50000 | 159 | 13 | 0.047144 | 0.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 713 | 713 | 656 | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 4.08 | 5.32 | 109345.99 | .00 | .00 | .00 | 109345.99 | Employed |  |  |  | 3.15 |  |  |  | NA | 103528.83 | 5817.16 | Taxes and Insurance | 19.1 | 85120.14 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 8.25 | 8.25 | 3651.16 | 3651.16 | 675 | 4456.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 25726 | 68 | 6 | 0.5961124967747484 | 2.00 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2077312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 711 | 712 | 696 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 22.26 | 22.69 | 5402.30 | .00 | .00 | .00 | 5402.30 | Not Employed |  |  |  |  |  |  |  | NA | 4176.54 | 1225.76 | Taxes and Insurance | 15.77 | 18962.32 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.875 | 7.875 | 928.09 | 928.09 | 274.67 | 1202.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 18962.32 | 3685.48 | 1 | 4000 | 318 | 3 | 0.003833333333333333 | 21.83 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2077308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 698 | 694 | 712 | 698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.71 | 36.18 | 14575.00 | .00 | .00 | .00 | 14575.00 | Employed |  |  |  | 9.38 |  |  |  | NA | 9301.37 | 5273.63 | Taxes and Insurance | 49.21 | 234613.38 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.5 | 7.5 | 3910.01 | 3910.01 | 857.62 | 4767.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 16738.18 | 1 | 11628 | 75 | 4 | 0.1473049645390071 | 6.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 684 | 652 | 684 | 706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.85 | 39.94 | 38417.00 | .00 | .00 | .00 | 38417.00 | Employed |  |  |  | 8.88 |  |  |  | NA | 23074.34 | 15342.66 | Taxes and Insurance | 21.55 | 122906.1 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.375 | 8.375 | 5168.49 | 5168.49 | 535.17 | 5703.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 3 | 56528 | 203 | 5 | 0.21552941176470589 | 3.08 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2081876 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 694 | 692 | 736 | 694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 9.74 | 38.9 | 42063.81 | .00 | .00 | .00 | 42063.81 | Employed |  |  |  | 14.78 |  |  |  | NA | 25701.19 | 16362.62 | Taxes and Insurance | 46.21 | 189301.71 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.75 | 7.75 | 3725.34 | 3725.34 | 276.44 | 4096.78 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 189151.71 | 8865 | 4 | 70444 | 239 | 13 | 0.3241566265060241 | 20.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2079079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 790 | 782 | 804 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 798 | 790 | 815 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 6.55 | 7.16 | 156092.33 | .00 | .00 | .00 | 156092.33 | Employed | Not Employed |  |  | 6.97 | 6.97 |  |  | NA | 144918.75 | 11173.58 | Taxes and Insurance | 196.43 | 2009360.55 | XXXX | XXXX | 73.35 | 73.35 | 73.35 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.875 | 6.875 | 9059.05 | 9059.05 | 765.53 | 10229.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 350 | 1 | 48800 | 261 | 3 | 0.1225880758807588 | 1 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2079082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 658 | 658 | 670 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 29.88 | 37.55 | 6394.67 | .00 | .00 | .00 | 6394.67 | Employed |  |  |  | 3.65 |  |  |  | 2 YRS | 3993.19 | 2401.48 | No Escrow | 23.97 | 35993.9 | XXXX | XXXX | 42.67 | 42.67 | 42.67 | XXXX | XXXX | XXXX | Conventional | Fixed | A | 8 | 8 | 1174.02 | 1174.02 | 0 | 1910.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 73296.65 | 2225.2 | 2 | 38802 | 385 | 4 | 0.23 | 1.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 733 | 742 | 733 | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 749 | 741 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 12.75 | 36.81 | 26000.00 | 28000.00 | .00 | .00 | 54000.00 | Employed | Employed |  |  | 4.13 | 2.04 |  |  | NA | 34121.24 | 19878.76 | Taxes and Insurance | 18.86 | 39881.8 | XXXX | XXXX | 78.49 | 78.49 | 78.49 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 7.125 | 7.125 | 5740.08 | 5740.08 | 1145.65 | 6885.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 4315.92 | 1425 | 2 | 43457 | 152 | 10 | 0.15100106723585913 | 1.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 717 | 717 | 738 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 6.48 | 11.65 | 109388.24 | .00 | .00 | .00 | 109388.24 | Employed |  |  |  | 41.48 |  |  |  | Yes | 96648.67 | 12739.57 | Taxes and Insurance | 49.06 | 347587.87 | XXXX | XXXX | 64.29 | 64.29 | 64.29 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 6063.47 | 6063.47 | 1021.33 | 7084.8 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 292811.5 | 1425 | 3 | 119000 | 471 | 7 | 0.16232157987355797 | 5.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | true | XXXX | 718 | 729 | 718 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | No | true | XXXX | 705 | 682 | 719 | 705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.42 | 30.09 | 15000.00 | .00 | .00 | .00 | 15000.00 | Employed | Not Employed |  |  | 3.24 |  |  |  | 2 YRS | 10486.25 | 4513.75 | Taxes and Insurance | 10.04 | 26231.29 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.25 | 7.25 | 2292.04 | 2292.04 | 234.71 | 2612.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 7442.58 | 1 | 50470 | 33 | 7 | 0.2838258575197889 | 3.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2084097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 660 | 660 | 652 | 667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 37.24 | 45.16 | 7591.73 | .00 | .00 | .00 | 7591.73 | Employed |  |  |  | 2.45 |  |  |  | 3 YRS | 4163.65 | 3428.08 | Insurance | 3.62 | 10230.48 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.75 | 8.75 | 2285.36 | 2285.36 | 424.9 | 2826.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4686.88 | 1 | 22695.46 | 73 | 9 | 0.024761904761904763 | 3.42 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2087747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 709 | 709 | 694 | 710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 40.75 | 48.97 | 23843.48 | .00 | .00 | .00 | 23843.48 | Employed |  |  |  | 18.31 |  |  |  | NA | 12166.73 | 11676.75 | Taxes and Insurance | 5.11 | 49639.84 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.625 | 8.625 | 7777.9 | 7777.9 | 1846.18 | 9715.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 42221 | 262 | 11 | 0.968009828009828 | 9.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2084098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 797 | 793 | 809 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 808 | 793 | 812 | 808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 10.35 | 13.87 | 81102.18 | .00 | .00 | .00 | 81102.18 | Employed | Employed |  |  | 1.06 | 1.06 |  |  | NA | 69853.94 | 11248.24 | Taxes and Insurance | 11.1 | 93157.37 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.375 | 7.375 | 7155.39 | 7155.39 | 1191.19 | 8394 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 4735 | 2 | 38600 | 198 | 4 | 0.061237693389592125 | 4.33 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 801 | 801 | 795 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 801 | 797 | 806 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 44.23 | 46.75 | 14741.68 | 15750.33 | .00 | .00 | 30492.01 | Employed | Not Employed |  |  | 3.13 |  |  |  | 3 YRS | 16236.01 | 14256 | No Escrow | 82.61 | 1114058.76 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7 | 7 | 10644.84 | 10644.84 | 0 | 13486 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2145 | 1 | 55000 | 253 | 4 | 0.07163003663003663 | 3 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077315 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 784 | 784 | 774 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 786 | 782 | 792 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WY | XXXX | XXXX | Full Doc | Second Home | Purchase | NA | 10.23 | 18.25 | 32078.15 | 3875.75 | .00 | .00 | 35953.90 | Employed | Employed |  |  |  | 14.87 |  |  | 3 YRS | 29393.9 | 6560 | Taxes and Insurance | 4.22 | 11502.67 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.625 | 7.625 | 2378.19 | 2378.19 | 347.22 | 2725.41 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 8025 | 2 | 30600 | 339 | 4 | 0.14641148325358852 | 3.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2079081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 770 | 770 | 778 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 38.69 | 48.55 | 5567.85 | .00 | .00 | .00 | 5567.85 | Employed |  |  |  | 6.2 |  |  |  | NA | 2864.88 | 2702.97 | Taxes | 12.47 | 26858.92 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.75 | 8.75 | 1604.87 | 1604.87 | 274.1 | 2153.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2655 | 1 | 22534 | 79 | 6 | 0.007128712871287129 | 2 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2079072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 763 | 759 | 766 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 30.56 | 37.82 | 5307.23 | .00 | .00 | .00 | 5307.23 | Employed |  |  |  | 35.37 |  |  |  | NA | 3300.08 | 2007.15 | No Escrow | 6.42 | 10415.18 | XXXX | XXXX | 32.72 | 32.72 | 32.72 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7 | 7 | 1190.89 | 1190.89 | 0 | 1622.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 23530.17 | 2768.29 | 1 | 28000 | 254 | 3 | 0.5112871287128713 | 25.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 700 | 675 | 700 | 710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 12.31 | 42.96 | 32953.82 | .00 | .00 | .00 | 32953.82 | Employed |  |  |  | 18.58 |  |  |  | NA | 18797.52 | 14156.3 | Taxes and Insurance | 69.04 | 280049.39 | XXXX | XXXX | 33.04 | 33.04 | 33.04 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.25 | 7.25 | 2046.53 | 2046.53 | 1968.38 | 4056.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | B | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 280049.39 | 3825 | 1 | 128311 | 321 | 11 | 0.6427290178430941 | 10.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2077311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 809 | 810 | 809 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 12.68 | 15.77 | 160151.89 | .00 | .00 | .00 | 160151.89 | Employed |  |  |  | 11.39 |  |  |  | NA | 134891.43 | 25260.46 | No Escrow | 13.75 | 279196.07 | XXXX | XXXX | 61.71 | 61.71 | 61.71 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 6.875 | 6.875 | 16620.3 | 16620.3 | 0 | 20310.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 1703.93 | 27145 | 1 | 88168 | 258 | 24 | 0.21285517181908334 | 1.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 684 | 680 | 692 | 684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 45.05 | 45.72 | 7839.12 | .00 | .00 | .00 | 7839.12 | Employed |  |  |  | 2.99 |  |  |  | NA | 4255.38 | 3583.74 | Taxes and Insurance | 7.21 | 25477.24 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.5 | 7.5 | 3104.51 | 3104.51 | 427.23 | 3531.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 1 | 5800 | 219 | 2 | 0.1437142857142857 | 4.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 688 | 672 | 710 | 688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Rate and Term | 44.1 | 47.58 | 15531.15 | .00 | .00 | .00 | 15531.15 | Employed |  |  |  | 7.5 |  |  |  | 3 YRS | 8141.23 | 7389.92 | Taxes and Insurance | 4.27 | 29244.27 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.25 | 7.25 | 6003.15 | 6003.15 | 845.77 | 6848.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 24145 | 2 | 18000 | 278 | 7 | 0.02744927536231884 | 10 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 764 | 791 | 764 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.67 | 42.77 | 11420.93 | .00 | .00 | .00 | 11420.93 | Employed |  |  |  | 2.01 |  |  |  | NA | 6536.32 | 4884.61 | Taxes and Insurance | 13.23 | 52377.01 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.375 | 7.375 | 3418.84 | 3418.84 | 541.27 | 3960.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 1 | 37303 | 101 | 11 | 0.06573170731707317 | 2.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 743 | 751 | 743 | 741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 762 | 762 | 788 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 24.04 | 35.76 | 5371.09 | .00 | .00 | .00 | 5371.09 | Employed | Not Employed |  |  | 3.76 |  |  |  | NA | 3450.64 | 1920.45 | Taxes and Insurance | 8.48 | 10951.19 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.25 | 8.25 | 1087.83 | 1087.83 | 203.62 | 1291.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2912 | 1 | 15000 | 56 | 5 | 0.12482428115015974 | 1.33 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2081889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 705 | 738 | 705 | 694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 697 | 688 | 697 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 10.64 | 16.79 | 48320.02 | .00 | .00 | .00 | 48320.02 | Employed | Not Employed |  |  | 20.6 |  |  |  | NA | 40206.1 | 8113.92 | Taxes and Insurance | 52.24 | 268655.13 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.125 | 7.125 | 4294.96 | 4294.96 | 847.96 | 5142.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 268655.13 | 10113.75 | 1 | 34826 | 235 | 13 | 0.10700150772710139 | 6.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 672 | 672 | 673 | 669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 33.84 | 49.83 | 34714.44 | .00 | .00 | .00 | 34714.44 | Employed |  |  |  | 9.15 |  |  |  | 3 YRS | 17416.61 | 17297.83 | Taxes and Insurance | 16.92 | 198745.9 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8 | 8 | 9098.68 | 9098.68 | 2468.57 | 11747.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 25386 | 1 | 0 | 243 | 0 | 0 | 9.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2081894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 783 | 783 | 776 | 805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 35.09 | 41.16 | 15276.00 | .00 | .00 | .00 | 15276.00 | Employed |  |  |  | 6.26 |  |  |  | NA | 8988.09 | 6287.91 | Taxes and Insurance | 38.35 | 205611.71 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7 | 7 | 4850.06 | 4850.06 | 510.85 | 5360.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 39395.37 | 16725 | 1 | 60000 | 270 | 4 | 0.3372205882352941 | 4.16 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2085583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 687 | 686 | 692 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 35.17 | 44.58 | 12533.82 | .00 | .00 | .00 | 12533.82 | Employed |  |  |  | 2.37 |  |  |  | 3 YRS | 6946.8 | 5587.02 | Taxes and Insurance | 9.42 | 41520.66 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.5 | 8.5 | 3844.57 | 3844.57 | 563.65 | 4408.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 41520.66 | 5895 | 1 | 28033 | 138 | 4 | 0.35283842794759823 | 0.25 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2085612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 681 | 653 | 681 | 694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.71 | 46.63 | 25000.00 | .00 | .00 | .00 | 25000.00 | Employed |  |  |  | 11.19 |  |  |  | NA | 13342.4 | 11657.6 | Taxes and Insurance | 31.46 | 123602.75 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.875 | 7.875 | 3219.31 | 3219.31 | 709.3 | 3928.6 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 3 | 43224 | 228 | 16 | 0.08231183651582308 | 12 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2085626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 656 | 656 | 660 | 655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 46.83 | 47.71 | 9966.67 | .00 | .00 | .00 | 9966.67 | Employed |  |  |  | 0.37 |  |  |  | 2 YRS | 5211.67 | 4755 | Taxes and Insurance | 41.16 | 192133.25 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 9.125 | 9.125 | 4083.62 | 4083.62 | 584.05 | 4667.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 192133.25 | 4027.13 | 1 | 78109 | 154 | 4 | 1 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2085613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 743 | 743 | 754 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.38 | 46.61 | 15140.68 | .00 | .00 | .00 | 15140.68 | Employed |  |  |  | 9.9 |  |  |  | NA | 8083.06 | 7057.62 | Taxes and Insurance | 14.46 | 48982.85 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.875 | 7.875 | 2864.75 | 2864.75 | 523.14 | 3387.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 1 | 400546 | 229 | 8 | 0.5688368580060423 | 3 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2085621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 660 | 660 | 602 | 683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 19.33 | 20.01 | 49777.66 | .00 | .00 | .00 | 49777.66 | Employed |  |  |  | 2.52 |  |  |  | NA | 39816.17 | 9961.49 | Taxes and Insurance | 85.63 | 823806.07 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.625 | 7.625 | 7927.29 | 7927.29 | 1392.75 | 9620.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 1 | 10000 | 170 | 4 | 0.0017094017094017094 | 1.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2087745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 784 | 784 | 749 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 788 | 796 | 788 | 783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 9.2 | 19.44 | 60870.35 | .00 | .00 | .00 | 60870.35 | Employed | Not Employed |  |  | 12.26 |  |  |  | NA | 49036.02 | 11834.33 | Taxes and Insurance | 15.87 | 88890.26 | XXXX | XXXX | 89.97 | 89.97 | 89.97 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.5 | 7.5 | 4705.71 | 4705.71 | 666.42 | 5600.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 5510 | 3 | 106716 | 221 | 4 | 0.15986338797814206 | 3.17 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2085615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 696 | 696 | 669 | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 25.68 | 25.71 | 23000.00 | .00 | .00 | .00 | 23000.00 | Employed |  |  |  | 5.48 |  |  |  | NA | 17086.33 | 5913.67 | Taxes and Insurance | 8.05 | 47562.77 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.875 | 7.875 | 4899.66 | 4899.66 | 736.01 | 5905.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 1 | 19700 | 308 | 11 | 0.00025316455696202533 | 8.25 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2085617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 747 | 748 | 744 | 747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 702 | 702 | 708 | 685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 34.64 | 42.45 | 6265.37 | 24239.92 | .00 | .00 | 30505.29 | Employed | Employed |  |  | 3.43 | 4.94 |  |  | 3 YRS | 17555.33 | 12949.96 | Taxes and Insurance | 8.68 | 91711.4 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.125 | 7.125 | 9701.55 | 9701.55 | 865.86 | 10567.41 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 176088.4 | 16545 | 1 | 26100 | 472 | 7 | 0.6219098721936407 | 13.42 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2085627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 768 | 749 | 741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 779 | 779 | 794 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 29.76 | 45.04 | 8954.11 | 3466.67 | .00 | .00 | 12420.78 | Employed | Employed |  |  | 16.45 | 1.95 |  |  | 3 YRS | 6826.24 | 5594.54 | Taxes and Insurance | 32.84 | 121383.16 | XXXX | XXXX | 78.3 | 78.3 | 78.3 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.375 | 7.375 | 3434.04 | 3434.04 | 262.5 | 3696.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2145 | 1 | 34181 | 250 | 10 | 0.06731707317073171 | 0.58 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2085618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 722 | 709 | 722 | 731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 46.9 | 49.5 | 18770.83 | .00 | .00 | .00 | 18770.83 | Employed |  |  |  | 10.54 |  |  |  | NA | 9480.13 | 9290.7 | No Escrow | 30.75 | 270675.18 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.125 | 7.125 | 6871.93 | 6871.93 | 0 | 8803.7 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 270675.18 | 2145 | 1 | 17900 | 227 | 7 | 0.43140287769784175 | 1.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2089923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 756 | 756 | 750 | 756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 775 | 775 | 745 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.14 | 44.05 | 26348.02 | .00 | .00 | .00 | 26348.02 | Employed | Employed |  |  | 2.93 | 2.93 |  |  | NA | 14741.56 | 11606.46 | Taxes and Insurance | 32.1 | 187235.81 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.125 | 7.125 | 5341.91 | 5341.91 | 491.15 | 5833.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 3136.13 | 2 | 51615 | 282 | 11 | 0.1761838360842345 | 20 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2089924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 769 | 769 | 765 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10093 | Taxes and Insurance | 62.83 | 67893.98 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 936.12 | 936.12 | 144.43 | 1080.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Correspondent Bulk | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 67893.98 | 12020.51 | 2 | 397972 | 236 | 8 | 0.4917444219066937 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2089925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 769 | 769 | 765 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10108 | Taxes and Insurance | 43.03 | 51270.95 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 1059.3 | 1059.3 | 132.22 | 1191.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 20454.73 | 9388.31 | 2 | 397972 | 236 | 19 | 0.14421341376525912 | 12 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2089926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 702 | 702 | 772 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 68250 | Taxes and Insurance | 53.51 | 213189.71 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 7.5 | 7.5 | 3106.25 | 3106.25 | 877.96 | 3984.21 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 19075 | 2 | 200341 | 225 | 4 | 0.5509917852133841 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2085628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 702 | 702 | 772 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 36171 | Taxes and Insurance | 48.2 | 277099.84 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Core Plus | 7.5 | 7.5 | 3867.19 | 3867.19 | 1882.12 | 5749.31 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 1937.5 | 22727.5 | 2 | 200341 | 225 | 4 | 0.5509917852133841 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2089928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 703 | 689 | 703 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 31.58 | 34.07 | 10113.40 | .00 | .00 | .00 | 10113.40 | Employed |  |  |  | 12.26 |  |  |  | NA | 6668.15 | 3445.25 | Taxes and Insurance | 7.2 | 19921.63 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.25 | 7.25 | 1391.4 | 1820.24 | 739.01 | 2765.41 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 1 | 8650 | 252 | 12 | 0.11265856950067477 | 7.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2085616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 779 | 779 | 779 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1692 | Taxes and Insurance | 82.82 | 96314.23 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 6.875 | 6.875 | 945.98 | 945.98 | 217.02 | 1162.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 2880 | 2 | 53095 | 314 | 5 | 0.06794392523364486 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2087744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 724 | 724 | 725 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.07 | 39.52 | 6750.51 | .00 | .00 | .00 | 6750.51 | Employed |  |  |  | 1.04 |  |  |  | NA | 4082.84 | 2667.67 | Taxes and Insurance | 10.48 | 26221.63 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 8.125 | 8.125 | 1672.47 | 1672.47 | 491.2 | 2502.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2595 | 1 | 7434 | 116 | 7 | 0.14082758620689656 | 2 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2089929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 778 | 778 | 792 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 34.1 | 38.85 | 79784.00 | .00 | .00 | .00 | 79784.00 | Employed |  |  |  | 9.45 |  |  |  | NA | 48784.88 | 30999.12 | No Escrow | 16.03 | 342368.33 | XXXX | XXXX | 60.8 | 60.8 | 60.8 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 6.875 | 6.875 | 17187.5 | 23034.41 | 0 | 21357.21 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 342368.33 | 2145 | 1 | 27732 | 244 | 1 | 0 | 6.75 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2058667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 776 | 753 | 785 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3108 | Taxes and Insurance | 63.99 | 118577.7 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | Brick City - Ellington Core Plus | 8.124 | 8.124 | 1030.12 | 1030.12 | 387.9 | 1853.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6920 | 3 | 150000 | 230 | 11 | 0.008687511701928477 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |

---